Pet Insurance Reviews

Pumpkin Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated Apr 17, 2024 | 16 min read
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898 Consumer Reviews

Trustpilot, October 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Lowest Price For Dogs

under $30 / month

Lowest Price For Cats

under $30 / month

Monthly Payment Processing Fee


*Does not apply to pet insurance in Georgia, Lousiana, Missouri, New Hampshire, or Washington

Coverage Options

Annual Deductible

$100, $250, $500, or $1,000

Reimbursement Rate


Annual Coverage Limit

For Dogs: $10,000, $20,000, or unlimited

For Cats: $7,000, $15,000, or unlimited

Waiting Periods


14 days*


14 days*

*The waiting period is 0 days in the state of Maine

Filing a Claim

File Claims 

Email, phone, or fax

Claim Expiration 

Within 270 days

Average Claim Reimbursement 

7 days

Enrollment Requirements

Age at Enrollment 

at least 8 weeks old 

Medical Review 

when filing a claim

Residency Requirement 

Your pet must reside with you at the primary address listed on the declarations page

Pumpkin offers the ability to customize your deductible and annual coverage limit to find a plan that fits your budget, with the option for unlimited annual payouts for ultimate peace of mind. All plans offer excellent coverage and are currently the only ones to include the cost of pet microchipping without an additional wellness rider, making Pumpkin one of the best pet insurance companies in the industry.


  • Rates don't increase for filing a claim
  • No breed exclusions or upper age limits
  • Pre-existing conditions are eligible for coverage after being symptom- and treatment-free for 180 days
  • 30-day money-back guarantee if no claims have been filed
  • 10% discount for each pet you enroll


  • Preventable conditions are not covered
  • Does not cover obedience training


Pumpkin is a pet insurance agency and healthcare company launched by Zoetis, one of the largest animal organizations in the world that holds a prominent space in the veterinary community. Pumpkin Pet Insurance policies are underwritten by the United States Fire Insurance Company, a subsidiary of Crum & Forester, which has 200 years of experience in the industry.

What's Covered

  • Accidents and illnesses
  • Dental disease
  • Cancer treatments
  • Breed-specific conditions
  • Orthopedic conditions
  • Veterinary exam fees
  • Vet-recommended euthanasia

Optional Add-On: Routine Care

What's Not Covered

  • Cosmetic or elective procedures
  • Endodontic dental treatments
  • Prescription foods for general health
  • Obedience training or puppy classes
  • Breeding, nursing, or whelping
  • Lost pet advertising and reward
  • Pre-existing conditions

Routine Care Add-On

Pumpkin Preventive Care Plans were developed alongside vets and cater to the specific health needs of dogs, cats, and puppies. It's also unique because unlike other providers, offers 100% reimbursement for these routine care items:

  • Dogs: 1 annual wellness exam, 2 vaccines, 1 blood test, 1 fecal test
  • Puppies: 1 annual wellness exam, 4 vaccines, 1 fecal test
  • Cats: 1 annual wellness exam, 1 vaccine, 1 fecal test

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Pumpkin Pet Insurance Waiting Period

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective. How long you must wait before your pet insurance coverage kicks in varies by provider. The waiting period for Pumpkin Pet Insurance is two weeks, except for policyholders in the state of Maine:

  • Accidents, including cruciate ligament injuries: 14 days*
  • Illnesses, including orthopedic conditions: 14 days*

*The waiting period for accidents and illnesses in the state of Maine is 0 days

See how much Pumpkin Pet Insurance costs for your pet

How it Works

Pumpkin Pet Insurance works at any licensed veterinarian in the United States and Canada. Like most companies, it works by reimbursing a portion of eligible veterinary expenses related to a pet's unexpected illnesses and injuries (once your deductible has been met).

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1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.

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2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.

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3. File a Pumpkin Pet Insurance claim through their app, email, phone, or fax.

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4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

Filing a Claim

When submitting a Pumpkin Pet Insurance claim, be sure to include the following information electronically to ensure the fastest processing:

  • Your name, address, contact information, and signature on the claim form
  • A description of the condition and treatment you are claiming
  • All applicable receipts including an itemized breakdown of the fees incurred for actual costs after any discounts or credits.

Failure to provide complete information may result in:

  • Denial of your claim
  • You submitting a new claim with all required details

Claim forms are available online. To make a claim, you or an authorized representative from your veterinarian’s office must fill in the claim form. The claim forms must be submitted along with any itemized invoices for the actual costs incurred.

  • Window to File: 180 days
  • Average Claim Reimbursement: 7 days
  • Reimbursement Methods: direct deposit or check

Pumpkin Pet Insurance Cost

For some pet parents, Pumpkin Pet Insurance costs less than $30 per month for Accident & Illness coverage. The exact price you will pay depends on your pet's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

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Lowest Price for dogs:

$30 / mo

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Lowest Price for cats:

$30 / mo

Sample Prices

Pumpkin Pet Insurance cost estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for dogs living in Dallas, TX (the annual limit is set to $7,000 for the sample cat policy).

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Pumpkin Insurance Discount & Ways to Save

  • Policyholders can receive a 10% discount for enrolling multiple pets
  • Save $24 per year in monthly processing fees by paying for your policy annually at checkout

Pumpkin Pet Insurance Customer Service

The Pumpkin customer service team is available by phone or email.

Monday - Friday: 8:00 AM to 8:00 PM EST

 Customer Service: 1‑866‑ARF‑MEOW (1‑866‑273‑6369)


Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Records are requested at the time the first claim is filed
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
  • One time enrollment fee

Cancellation Policy

You can cancel Pumpkin Pet Insurance at any time during your pet's year-long policy period and receive a prorated refund for the remaining days of the month. See the Pumpkin insurance sample policy above for full terms.

Money Back Guarantee*

If you provide notice, in accordance with the When You Cancel provision below, that you wish to cancel within the first 30 days from your first effective date, Pumpkin will refund the premium paid if no covered expenses have been applied to your deductible or reimbursed. If you submitted a claim during this time period, Pumpkin will refund any premium in accordance with the When You Cancel section below.

When You Cancel

You must contact Pumpkin via email, telephone, or in writing to advise us of the future date when this policy is to be canceled. You can send written notification by email, fax, or by mail. We will refund any premium that you have already paid for any period after your last date of coverage.

*Excludes New York

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Expert Insights

Is Pumpkin Pet Insurance good?

"In our Pumpkin Pet Insurance review, we found several distinct benefits that are unique to this provider. For instance, Pumpkin provides microchip coverage without the addition of a wellness plan. Plans are available to ALL dogs and cats at least eight weeks old, regardless of their breed or age. Policies in 49 states have a 14-day waiting period for all accidents and illnesses, even including orthopedic conditions like hip dysplasia and knee injuries, which usually have a six-month waiting period with other pet insurance companies.

Therefore, Pumpkin might be especially attractive to owners whose pets are prone to such genetic issues, like Labrador Retrievers and German Shepherds. Pumpkin is also a great option for senior pets because there is no maximum age limit for enrollment commonly found elsewhere.

Finally, Pumpkin's preventive plan makes it easy to promote pets' well-being by breaking up the cost of routine vet visits into smaller, more affordable monthly payments. Regular screenings give vets the opportunity to detect potentially life-threatening diseases early on, before they become too severe or expensive to treat. Most pet wellness plans reimburse preventive care costs up to a certain limit as defined by a benefit schedule, but Pumpkin is great because it pays for the entire cost of the covered service."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Pumpkin Pet Insurance Reviews


898 Consumer Reviews

Get pumpkin for your puppy!

Pumpkin is an amazing company -it’s easy to file claims, they have a warm and friendly staff and quick responses each time I’ve needed help.I have a lab puppy who causes herself harm which causes me stress so having helpful vets and excellent insurance is a godsend. Can’t recommend them highly enough.

Marta M.
September 27, 2023

A very wise and beneficial investment

I have had many dogs and cats throughout the years but never invested in insurance for them. I decided to enroll with Pumpkin Insurance for my Belgian Mallinois this past year because I had the means to do so. I am so grateful that I did it because my dog got very seriously ill. Pumpkin has been wonderful…they are absolutely a legitimate company. They have done exactly what they advertise. I couldn’t be more pleased.

September 27, 2023

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 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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