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.
1

out of 5

POSTED: | BY: Maria Riverin

No Good pet insurance Pumkin Pet Insurance

I am. I have been paying a $150 for the last 3 years. For pet insurance that has done nothing for me, but take take and take. I've submitted claims recently for my dog having surgery and $700 of the money that I paid went towards deductibles, and then I got denied my claims to the sum of $1500 I would never recommend pumpkin to anybody. If you need pet insurance.. I would seriously look elsewhere.. I'm not just disgruntled about these people. I'm so p***** off. They've done nothing for me in 3 years. But take take take and then because my dog turn 13 years old they upped my premium From a $115 a month to a $150 a month I hope they go out of business. I hope I hope everyone knows. What a terrible pet insurance place this is
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5

out of 5

POSTED: | BY: Brian

Great experience for a first time user…

Great experience for a first time user of Pet Insurance ever . Recommended by my Vet. Pumpkin made the process seamless and easy . I received 100 % reimbursement for a wellness exam and blood test in less than 2-days.
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5

out of 5

POSTED: | BY: Karen

Great communication on phone and email

Great communication on phone and email. Appreciate the fast evaluation of claims and follow-up emails. The website is easy to use and provided all the information I needed to file a few claims. Phone communication was also great! Friendly, upbeat, knowledgeable.
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5

out of 5

POSTED: | BY: Yvette

Working with Pumpkin has been seamless

Working with Pumpkin so far has made getting pet insurance so worth it! Our pets are our family!! Filing a claim and getting a refund was so easy(for me).
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5

out of 5

POSTED: | BY: Wendy G

Claim was processed quickly.

Claim was processed quickly.
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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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