Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,937

Pumpkin is a pet care company on a mission to make the best pet care possible fur all. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Disclosure Only PumpkinNow pays up to 90% in minutes for eligible vet care* Get 80–90% cash back on all eligible vet bills #1 rated on Google among pet insurance brands with 2,500+ reviews¹ 9 out of 10 vets trust us to take great care of their patients² Top-rated pet insurance provider on Trustpilot with 4.9 stars *Qualified customers with eligible claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms ¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026 ² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
5

out of 5

POSTED: | BY: customer

Easy site to navigate

I love how easy it was to navigate the website. The price range was affordable. This was a major reason why we choose Pumpkin as insurance for our sweet heart, babs
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5

out of 5

POSTED: | BY: Carlos Santiago

Quick reimbursement.

Their claim reimbursement was absolutely fast, less than a day, and it was very easy to setup the payment method to receive the funds.
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5

out of 5

POSTED: | BY: customer

Very easy to understand and the website…

Very easy to understand and the website was easy to use. We got the coverage we needed for our dog without a problem.
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5

out of 5

POSTED: | BY: Jechri

Easy to understand, transparent pricing, quick claims processing

I wasn't sure what I needed for my new husky pup, but Pumpkin made it easy to understand what would be covered. They also seemed to offer more than others at a transparent price. I even used the add on for annual wellness right away and it processed within a day. I'm glad I went with an easy to use provider that seems worth the cost.
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1

out of 5

POSTED: | BY: Julie

Please do not use pumpkin, they are scammers and just take your money, do not pay out claims start a saving pet account

Please do not use this company, COMPLETELY CORRUPT, they are scammers. We paid $157 a month for the last 8 months after our pup was spaded and 3 other claims of over 3000 they paid a lousy $202 I lost it with them, all they want is your money and have excuses why they wont cover your claims, that is how the employees are trained take the money in but they don't pay any claims out. Your better off starting a pet saving account on your own and putting money in it every month than being scammed and taken by this company. I am warning everyone do not use it, you will waist your time and money and be very angry! So tired of these kinds of business that don't care about your dog, we have hired an attorney through my husbands work to get all our money back we paid, they even want the $202 out of the $3000 in claims they paid on top of our 157 a month we already paid and refuse to give it back. Thief's THAT IS WHO THEY ARE! The reason i don't find reviews for pumpkin helpful is because there employees are leaving the positive ones check out bbb as they are all o the same day and one liners what a joke
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Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Payout Limits

Annual limits of $10,000, $20,000 or unlimited for dogs and $7,000, $15,000 or unlimited for cats.

Deductible

3 options: $100, $250, $500 and $1000

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Insurance coverage begins 14 days after your policy begins for all conditions, including knee/ligament issues where some other policies make you wait 6 months for coverage. No waiting periods for preventive care (in fact, depending on when you received the care, you may be eligible for a retroactive refund).

Exclusions

Pre-existing conditions are not covered. However, unlike some other pet insurances, Pumpkin’s plan covers some curable pre-existing conditions if symptom-free for 180 days, with the exception of knee and ligament conditions. For full terms, visit pumpkin.care/insurancepolicy.
Pumpkin Pet Insurance detail
About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells.   Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration.   Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.
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