Pumpkin | Pet Insurance Review


out of 5

Number of reviews 53

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.0
  • 1.4
  • 4.3
  • Count
  • 2
  • 5
  • 53

Updated: November 13, 2023

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: John Triminio

Best pet insurance

Easy to communicate with. Claims are processed quickly. Friendly staff! Happy I have both my pets insured through pumpkin

out of 5


Grateful for their kindness

They have been very easy to work with and promptly processed and paid claims according to the plan we selected. When our poor little dog passed away after a sudden deterioration in her health, they sent us flowers. Wow! That was unexpected and much appreciated.

out of 5

POSTED: | BY: Norman

Our Pumpkin experience.

When we signed up for Pumpkin , we did so to make sure that if something of a very serious nature may happen to our dog, it would help us financially. We had not submitted claims until our dog did actually become very ill. As we went through the many Veterinary visits and purchase of several medications, we thought it best to get help in submitting our claims. The Pumpkin Team were incredibly helpful, and genuinely understanding, kind, and extremely helpful in assisting us through the process.

out of 5

POSTED: | BY: Barb Farfan

Pumpkin has been great!!!

They have paid for everything that was promised. Great helpful people when I’ve had any questions!

out of 5

POSTED: | BY: customer

Pumpkin has been so easy to work with!

Pumpkin has been so easy to work with!

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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