Pumpkin | Pet Insurance Review


out of 10

45 Verified Reviews

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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: Missy G.

Highly recommend

If you have a 🐶 or 🐱 we highly recommend getting Pumpkin for your pet🐾

out of 10


Best coverage

The best coverage for your pets with the best prices…

out of 10

POSTED: | BY: Stella K.

Great preventive plan, super easy

I'd heard the horror stories of people having to make a hard decision when they weren't able to afford unexpected vet bills/illnesses. So when it came to adopting my first pet, I knew that getting pet insurance was a non-negotiable. After scouring the different plans available, I decided to get Pumpkin for two main reasons: The first is their preventative plan. For less than $10/month I get Mysa's flea and tick medication mailed to my house and a vaccination reimbursed every year. Side note: the medication alone pays for itself and I don't have to worry about getting the prescription from my vet since their team takes care of it. The second is their site. It was super easy to get a quote and sign Mysa up. I haven't had to make a claim yet (fingers crossed I don't have to) but that process seemed straightforward as well. One downside is that they're not available nationwide so you'll have to check to see if they're in your area before signing up.

out of 10

POSTED: | BY: Adam

I highly recommend Pumpkin

I shopped around and only Pumpkin gave me the best rate for my dog insurance. Whenever you call/email, an actual person responds in a timely manner and I never had an issue with their service. I highly recommend Pumpkin.

out of 10


Great customer service.

Great customer service.

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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