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.

Average customer rating

9.6 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.4 9.6
Count 1 9 14

Pumpkin Pet Insurance Reviews

10
Out of 10
Posted: 11/01/2019
By:
Stella
K.

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...

Injury/illness
Claim Amount
Breed
Age of Pet
Under a year
10
Out of 10
Posted: 10/19/2019
By:
Julia
J.

Signed my dog and cat up for Pumpkin and really appreciate that there is finally a pet insurance company that makes preventive meds and care a priority. Pumpkin reached out to my vet to take care of getting their Rx, and both my pets got their flea and...

Injury/illness
Claim Amount
Breed
Age of Pet
Under a year
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 or $20,000 for dogs and $7,000 or $15,000 for cats.

Deductible

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).

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.

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.