Pumpkin | Pet Insurance Review


out of 5

Number of reviews 996

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 2.5
  • 4.3
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  • 4
  • 996

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: M. Galarza

Great experience from start to finish…

Great experience from start to finish and Pumpkin even covered my puppies first Vet visit!

out of 5

POSTED: | BY: brian veronesi

Super easy and helpful

Super easy and helpful

out of 5

POSTED: | BY: Peggy Ann Marie Roach

Beware of this company Pumpkin I did a…

Beware of this company Pumpkin I did a lot of research so I thought. Higher rate services not render. I apply on Oct 17 2023 And canceled Oct 17,2003. Expecting full refund. They add higher rate with out your knowledge. Please make sure your read find print. This is not the care I want for my Pet False Promises. If my apple card company does not get full refund I will be filing a law sue If anyone would like to join me my Phone numbers is 925-381-5997

out of 5

POSTED: | BY: JoAnne Tybinka

Very helpful and informative staff

Very helpful and informative staff. I learned a lot.

out of 5



Beware: Had high hopes for Pumpkin and thought I did enough research, however the fine print will always get you in the end, that's how these companies survive. Two things to beware of before you might choose this insurance: 1) If you pay for 'preventive care', their package for things like vaccines, wellness exams, parasite meds, etc.. there is mostly ZERO benefit, it is simply giving them the money first and then they pay it out back to you, so they can make interest on your money. It is not Insurance of any kind, if you use the amount you paid for you're done, if you cancel you will owe the money back to them, if you didn't use it and you cancel, well they keep it anyway. Clever!! Now it does say on the screen it isn't insurance however it is pitched like an add on of sorts as you're setting up your insurance... would you like to add preventive care for $10 (or whatever) a month? Sure... later to find out it is completely worthless...the refunds it states you get is your OWN money! 2) Any vaccines that you think are covered or eligible, well if they're two doses, like Lepto for instance, 1 vaccine given in two parts 10 days apart, well to them that's two vaccines so they won't cover the 2nd dose. Ask a vet if this is still one vaccine, of course it is. 3) If you call and question anything, well that's when the rudeness starts, condescending phone techs.. I had one ask me personal questions about what vaccines I have and then hang up on me. Disappointing I had high hopes for them, but everything so far has been misleading, i'd hate to see what it is like for major payouts.

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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