Pumpkin | Pet Insurance Review


out of 10

45 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 5.2
  • 9.2
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  • 5
  • 45
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 10

POSTED: | BY: Mayra N.

Best pet insurance I’ve had up to date!

Best pet insurance I’ve had up to date! They’re also extremely professional and the customer service is great! I would 100% recommend!

out of 10

POSTED: | BY: Jessica M.

Pumpkin gives us peace of mind

Pumpkin gives us peace of mind knowing our pup is protected with amazing coverage. Their customer service is fantastic, and Bernie loved his welcome box with a cute toy!

out of 10

POSTED: | BY: Lindsay H.

Amazing, simple, and affordable coverage!

Amazing, simple, and affordable coverage! Can't believe I've gone this long without Pumpkin- I've already saved hundreds!

out of 10

POSTED: | BY: Mariah P.

I cannot recommend Pumpkin highly enough!

I debated getting pet health insurance for my two cats for a few years, but I didn't move forward until I found Pumpkin. No other provider I looked into offered preventative care coverage or dental coverage, while preventative care is the bulk of my vet costs. I wish I had signed up for Pumpkin sooner! I have so much peace of mind knowing that I can spread out the cost of my cats' health care over the year instead of being surprised with large bills, and that I can afford both preventative and emergency care for them. And, it certainly doesn't hurt that Pumpkin sent my cats bandanas and personalized toys in their starter kit; they are big fans of the toys :)

out of 10

POSTED: | BY: Rachel R.

Please don't ever change

Update: griff had his first annual visit since I signed up with pumpkin. This was also my first claim. The online claim process was so simple. Within 2 hours I had a response which it was initially declined. His vet does a lump sum annual vaccines and exam combined. A quick email to pumpkin and within 30 minutes had a response saying I did actually meet the reimbursement requirements under the preventive plan and I will get the 50 dollars in 4-6 days. I honestly can't say enough about the customer service. Please don't ever change what you guys are doing right. I praise you guys to any of my friends who own pets or anyone considering a pet. Griff wasn't happy with the vet visit but I was. We just received our first 6 months of revolution. They have been very good at communicating with my vet and keeping me updated on the process. I have not filed a claim yet but from the customer service side I am very pleased.

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 or $20,000 for dogs and $7,000 or $15,000 for cats.


3 options: $100, $250, and $500

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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