Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,937

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: customer

Great Customer service from beginning…

Great Customer service from beginning of transaction until end. I highly recommend Pumpkin Pet Insurance !
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4

out of 5

POSTED: | BY: Amanda

Great pet insurance

I had multiple experiences using my pumpkin insurance policy, friendly and fast customer service. ( You actually can speak with a real person!!) A new feature they offer is get paid before you pay the vet, which you don’t actually get paid before the vet. They will reimburse you quickly after, once you submit the paid invoice (if you have a pre auth.) which was confusing and contradicting. However being able to pre authorize treatment was helpful and moved the reimbursement process along quickly. I will not go without pet insurance and am happy with pumpkin insurance group! Would most defiantly recommend and have!
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5

out of 5

POSTED: | BY: Mary Morin

Pumpkin has always paid claims in a…

Pumpkin has always paid claims in a timely manner.
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3

out of 5

POSTED: | BY: Kristina

It’s been a week since submitting my…

It’s been a week since submitting my claim and I still Haven’t heard a thing much less been reimbursed.
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5

out of 5

POSTED: | BY: Angela

First off pumpkin sent me paper copies…

First off pumpkin sent me paper copies of my policies so I can reach for them at any time if I have a question. There are no surprises and everything is very clear. No guessing or wondering. Pumpkin even sent me a mailed ( to my home) EOB ( just like my insurance) which was wonderful. They paid and explained everything and even direct deposited my refund. Very easy to work with and no guessing!! Thank you pumpkin Angela Hill
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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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