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.
5

out of 5

POSTED: | BY: Megan

Less worry, more snuggles!

My kitten had an accident that cost thousands in surgery fees. When it became clear that my cat needed surgery, I called the customer service line and spoke with a very helpful and kind operator who talked me through the process of filing a claim. After my claim was filed, I was reimbursed 90% within 10 days. Wow! They also provided a very clear breakdown to help me understand what was covered under my policy. Thanks to Pumpkin, I spent less time worrying about how to pay for vet bills and more time focusing on my cats recovery. Thank you Pumpkin!
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5

out of 5

POSTED: | BY: customer

I would highly recommend Pumpkin to all…

I would highly recommend Pumpkin to all pet owners. The claim process is so easy and they handle claims efficiently and promptly.
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5

out of 5

POSTED: | BY: D. Walsh

Sent in my first claim

Sent in my first claim. Response was fast& claim paid quickly. So far I am very happy with pumpkin.
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4

out of 5

POSTED: | BY: Mokusatsu

A Fair and Square, reachable and honest company for Pet Insurance.

A fair and helpful company. Honest. You have to pay the vet up front and they reimburse you in about 30-90 days. You can just give the card with other companies to the vet who accepts it as payment. But in exchange for this, which is made very clear, you get a lot of regular care services paid for quickly. Shots, checkups, health checks, nail trimming ( a limited amount-see their list), and that is paid from Pumpkin quickly. Major problems have to be paid for by the Insurance company that underwrites serious care. The Present value yearly regular treatment is far higher than other emergency care which happens but more rarely. Especially as it likely prevents serious problems later. Still, If Pumpkin offered both groups of payment, giving an insurance card to the vet (Direct bill) AND [preventative care, I would be willing to pay 2-3X for the insurance. A dark recession is coming so it might be wise to offer this method as a choice so customers don't flee a growing company. It can be 2K per night for serious problems.I lost a pretty cat but I wouldn't have spent 10K on a low probability fix anyway. Pumpkin is a square deal and always reachable.
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5

out of 5

POSTED: | BY: customer

I had no problems filing my claim and…

I had no problems filing my claim and quickly received a check
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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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