Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,417

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: Emmy's former parents

Pumpkin gets 5 Stars and deserves more...

I am taking the time to say what a wonderful job Pumpkin is doing supporting pet owners in their times of need. This company has it dialed in and keeps their promises. We are so grateful we have Pumpkin pet insurance on all of our pets, its been a true blessing. They processed our very large claim and paid it out with no questions asked. Thank you to whomever is sitting in those offices making decisions, you are providing an amazing service. 10/10 highly recommend.
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5

out of 5

POSTED: | BY: Guillermo

My experience with Pumpkin Ins.

I have had 5 GSD’s for the past 25 years. In the past 5 years I realize that having pet insurance is a must specially now days when veterinary expenses have more than double. When you have a pet (dog) like a German shepherd they become part of your family really fast and you will sacrifice any expenditure to see them well again. In my case my German Shepherd has had a couple of emergencies that require hospital stays and the charges were astronomical. Pumpkin ins came to the rescue very fast and reimbursed me for almost 90% of the charges after the deductible were met. Pumpkin has excellent customer service guiding you thru the claim process while speaking to a real person. I am very happy with pumpkin pet insurance as of this date.
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5

out of 5

POSTED: | BY: Ariel

The best insurance around

The best insurance around. They actually care about their customers and our pets! Even had an agent check in and ask how Kosmo was doing. Thank you again pumpkin!
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5

out of 5

POSTED: | BY: Victoria

Pumpkin has amazing customer service

Pumpkin has amazing customer service! You are always able to speak to a 'human- and not AI generated. Always address my claims in a timely manner and explanation I would recommend to anyone who has 'fur babies:
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5

out of 5

POSTED: | BY: JustAnswer Customer

Very friendly staff experienced vet

Very friendly staff experienced vet, I feel my dog Deebo is in the best care!
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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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