4.1
Rated 4.8 out of 5
117 user reviews
Excellent90%
Very good6%
Average1%
Poor1%
Terrible2%

Pumpkin is a great option for all your pet insurance needs. It offers an extensive accident and illness plan, as well as the option to add wellness coverage. Plus, it has an unlimited annual coverage option for your fur baby.

Aside from the regular waiting periods you see with most insurers, Pumpkin doesn’t have an extended waiting period for things like knee conditions and hip dysplasia. This means that your pup is covered if they start displaying any symptoms of these injuries after the regular waiting period.

This insurer also loves a multi-pet household! If you have more than one dog or cat, you can get an extra 10% off pet insurance for adding another policy. Pumpkin has many options available for pet parents, from low deductibles to high reimbursement rates.

FACT! Pumpkin covers curable pre-existing conditions as long as your pet has stayed 180 days treatment-free

Founded in

2020

Employees

200

Headquarters

New York

Petted Review

No upper age limits or breed exclusions make Pumpkin one of the most inclusive providers. The plans are comprehensive, too, with a flat 90% reimbursement rate and easy claims. No app or 24/7 helpline, though.

4.2
star star star star star
Read our full review

User Reviews

Pumpkin
Rated 4 out of 5

10/10 for Pumpkin!

My
4
-year-old
Cockapoo
in
California
was insured by

Claims process was pretty straightforward, reimbursement was quick and I find the prices very competitive. I switched from another insurer and I’m much happier with the coverage I have now with Pumpkin.

Stacey
November 14, 2022
Pumpkin
Rated 4 out of 5

Annual Limit ranges are not adequate

My
3
-year-old
Alsatian
in
California
was insured by

Buying experience is not that great. Could have been better had other options were available.

Pravin
October 12, 2022
Pumpkin
Rated 4 out of 5

Roscoes story

My
10
-year-old
American Bulldog
in
California
was insured by

I adopted Roscoe in 2016. I never knew the importance of health insurance until he started having health issues, including cancer. Pumpkin provides accident and illness plans, and for 180 dollars a month, Roscoe is covered in the event of an unforeseen emergency. Pumpkin will either reimburse you, or can even pay your vet directly, which is awesome. They’re claim processing times can be a little slow, but the customer service is always prompt to reply and friendly. You can choose your own deductible, Roscoe has a 500 dollar deductible and a $10,000 policy limit, but there are other plans with higher limits for a bit more money. Overall, very happy I made the decision to insure Roscoe with pumpkin and have some peace of mind that as he gets older he will always have the best care.

Valerie
September 17, 2022
Pumpkin
Rated 4 out of 5

Reliable

My
1
-year-old
English Bulldog
in
Texas
was insured by

My puppy eats anything and everything he can get his hands on. He ended up having to have surgery- a toy he swallowed punctured his instestines and he was going septic. Pumpkin reliably did what they said they would do- reimbursed me for everything and even put a rush in so I could get the money back sooner. It made a very emotionally difficult time a lot less stressful to know the financial aspects would be taken care of. The only reason I am not giving them 5 stars is that the premium will become more expensive every year- instead of locking in at the sign up rate.

Lainie
September 14, 2022
Pumpkin
Rated 4 out of 5

So far so good

My
2
-year-old
Great Dane
in
Iowa
was insured by

Everyone tells you all different pet insurance companies to go with. After all my research I chose Pumpkin Ins. Maybe a little more than what you would want to spend so don’t go to get your extra cup of coffee every week.

Tina
May 30, 2022