Pumpkin | Pet Insurance Review


out of 5

Number of reviews 629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
  • Count
  • 2
  • 6
  • 629
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.

out of 5

POSTED: | BY: Peggy Conti

The person I spoke to was more than…

The person I spoke to was more than helpful. Sorry I don’t remember the date I called. It was a couple of weeks ago

out of 5

POSTED: | BY: Buddy

Ease to enroll

Ease to enroll, and a pleasure working with your representative!

out of 5


Hoped we didn't need

Got a kitty hoping we'd barely ever have to use the insurance. By the stars, it was worth it when she got diagnosed with a rare disease that would have cost thousands. Thankfully, it was covered and paid in a fair amount of time for an insurance claim. So grateful for this

out of 5

POSTED: | BY: Lourdes

I shopped around

I shopped around and found Pumpkins Ins to be more reasonable in their services and pricing. Even though their fairly new I decided to go with them. They were very helpful in assisting me. I gave them 3 stars because I haven’t had to use their coverage. I will post again when I do.

out of 5

POSTED: | BY: Susan R

The policy did not cover what I thought…

The policy did not cover what I thought was not a preexisting pisition. I am going to cancel the policy.

Monthly Cost

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


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.


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).


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.

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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