Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,506

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.
1

out of 5

POSTED: | BY: Patrick

Does not hold up their obligations to customers

Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or fools. Stay away from Pumpkin Pet Insurance. UPDATE 8/24/22 Pumpkin has honored their obligations and processed my claims satisfactorily. I hope this will be their new standard for service. I am cautiously keeping my policy for now, but I am very concerned that such a poor experience may repeat itself.
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1

out of 5

POSTED: | BY: Patrick

Can't/won't process a claim

Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or idiots, stay away from Pumpkin Pet Insurance.
1

out of 5

POSTED: | BY: Lori

Website doesn't work and they charge you anyways

I tried to sign up, got all the welcome emails, etc. Then could not access the website, got an error. Called and was told oh sorry, our bad, apply again. Did, but had no luck getting the darn thing paid, again, website issues. Cancelled and gave up trying. Went with Pets Best. Then out of the blue 8 weeks later, I was charged for both months. Waiting on hold for 45 min+. What a laughable company. I do not recommend them and will never suggest them to any of my clients.
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1

out of 5

POSTED: | BY: Kimberley Colbaugh

They don’t pay their claims

They don’t pay their claims. They make excuses why they can’t pay the claims until they finally say “well you’re no longer a member so we’re never going to pay your claim now. They waited right up till the last hours of June to request records from a past vet. If you don’t continue paying 80 bucks a month while they keep thinking about things they will refuse to pay for anything at all. They didn’t even pay the wellness visit which I had extra payment on. Very disappointing and I would not recommend it to anybody at all
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1

out of 5

POSTED: | BY: Lisa Kirkorian

Disappointed

I researched pet insurances prior to getting our puppy & decided to go with Pumpkin. Even though they were more expensive than others they covered a little more & the reimbursements they said were quick. The first two puppy wellness fees (even though they only cover one) we were reimbursed within 2-3 days from the time I submitted the claims. I submitted the third puppy wellness visit with vaccines on June 22, 2022. It has been over 4 weeks & we have still not been reimbursed. When I spoke with customer service I was told 1, regular visits do not get reimbursed as quick as the wellness claims, & 2 they are doing internal & external updates. Not sure which one it is, but we are extremely disappointed & frustrated with this issue. I’m so sorry I have recommended this insurance to other people.
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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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