Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,430

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.
3

out of 5

POSTED: | BY: Rodgers Buyayi

I rarely write reviews

I rarely write reviews, but this company truly deserves one. My experience has been nothing short of outstanding. From the moment I signed up, the process was simple, clear, and very well organized. Everything is designed to make things easy for pet owners who just want the best care for their animals. What impressed me the most is how smooth and fast the claims process is. Submitting a claim is straightforward, and approvals and reimbursements come much quicker than expected. It really gives peace of mind knowing that when your pet needs medical care, you don’t have to stress about complicated paperwork or long waiting times. The customer service is also excellent. The support team is friendly, responsive, and genuinely helpful. They take the time to explain things clearly and make sure you feel supported throughout the process. Another thing I appreciate is the transparency and reliability. The coverage options are well explained, there are no confusing surprises, and everything works exactly as promised. That level of trust is very important when it comes to protecting the health of your pet. Overall, this has been one of the best service experiences I’ve had. If you care about your pet and want a company that is efficient, trustworthy, and easy to work with, this is definitely the right choice. I highly recommend them to any pet owner looking for reliable pet insurance.
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5

out of 5

POSTED: | BY: Jaymie

Great experience & paid back quickly!

Great experience to upload the vet bill onsite & quick review & response to providing the refund with 3 days. Very helpful to make sure you also include vet visit documents for fast & easy transaction. Otherwise there will be holdup on your refund.
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5

out of 5

POSTED: | BY: naim murad

It’s very helpful..

It’s very helpful..
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3

out of 5

POSTED: | BY: Hyder Imtiyaz

Good customer service but needs to…

Good customer service but needs to improve
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5

out of 5

POSTED: | BY: Jose

Hesitant but sooo glad I have Pumkin insurance

I purchased pet insurance for my cat a couple of years ago after he had urinary issues. Though I bought the insurance after the fact, I had kept it and actually thought of cancelling it the second year. I’m so glad I kept it since my cat ended up getting a broken leg and had to take him to an emergency vet where they kept him comfortable till he required surgery at a specialist vet in a different town the following day! The insurance covered exactly the service I pay for and did so with great customer service. I am definitely keeping this insurance for any other mishaps that the cat may get into. If you’re on the fence about it just remember that your pet is family too. Lol I surely felt at ease knowing that he had the best care and Pumpkin had my back afterwards!
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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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