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.
5

out of 5

POSTED: | BY: Abbey Limon

Pumpkin Pet Insurance Helped Us Care for Our Cat When It Mattered Most

When our cat Chico started dealing with a mysterious ear infection, it quickly became a long and stressful journey. Between multiple vet visits and appointments with a pet dermatologist, we were determined to find answers and make sure he wasn’t suffering. As a young married couple, Chico truly means the world to my husband and I and we want to do everything we can to keep him happy and healthy. Veterinary care can add up quickly, especially when you are trying to get to the bottom of something complicated. That is where Pumpkin Pet Insurance has made such a difference for us. Knowing we have support has helped take a huge financial weight off our shoulders while we focus on what really matters, getting Chico the care he needs. Pets are family and no animal deserves to suffer through a mysterious illness without help. Thanks to Pumpkin, we have been able to pursue the tests, specialists, and treatments needed to keep Chico comfortable while we search for answers, and it has given us peace of mind during a difficult time while allowing us to focus on loving and caring for our sweet boy.
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5

out of 5

POSTED: | BY: Penny

Ease of access on the APP and prompt…

Ease of access on the APP and prompt reimbursement.
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5

out of 5

POSTED: | BY: Gary

Fast and Easy Process

We had to submit 4 claims over the course of three weeks due to our pup’s illness. They were all approved within hours of submitting them online. The process was extremely easy to complete. I highly recommend this company.
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5

out of 5

POSTED: | BY: JustAnswer Customer

PUMPKIN EXPERIENCE

Pumpkin is prompt to respond to pay their claims
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5

out of 5

POSTED: | BY: Jamie

Efficiency and clear understanding of…

Efficiency and clear understanding of my description with the claims. No surprises and easy completion
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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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