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Pumpkin Review

Reviews 884
Pumpkin
Visit Site
Pumpkin
Pumpkin
Excellent
Reviews 884
Michael Graw
Jan. 12, 2023
3 min read
Michael Graw
Pumpkin Summary
Pumpkin provides extensive pet insurance for dogs and cats. This provider has a simple plan option that comes with 4 annual deductible options and a maximum annual coverage of $10K, $20K, or Unlimited for dogs and $7K, $15K or Unlimited for cats. The insurance policy covers eligible bills for sick exams, prescriptions and more, as well as an option for preventive care coverage at an extra cost.

Pros

  • Offers preventive care coverage
  • No upper age limit for coverage
  • Discount for enrolling multiple pets
  • 90% reimbursement rate for accidents and illness

Cons

  • Expensive plan options
  • Only covers cats and dogs

Pumpkin at a glance

9.2
Editorial score

Online experience

Excellent site with mobile optimization, learning resources, and live chat
10.0

Customizable rates and services

Customizable plans and rates, upper age limit
6.0

Claims payout waiting period

Days
10.0

Customer support

24/7 communication and a pet hotline available
10.0

Bundles

Multi-pet and multi-policy bundles available
10.0

Pumpkin Pumpkin Visit Site

What's Covered?

Pumpkin plans cover an impressively wide range of conditions and treatments. Accidents are covered as well as new illnesses, regardless of whether the illness was preventable with a vaccine or medication. The same is true for dental coverage—dental illness issues are covered even if your cat or dog does not get an annual dental exam.

Pumpkin plans also cover sick exam fees, diagnostic and imaging fees, surgery and hospitalization fees, and prescription medication and supplements for covered conditions. You can use your policy to pay for behavioral issues and alternative treatments like acupuncture if desired.

If you opt for the optional preventive care plan add-on, Pumpkin Preventive Essentials, you also get annual vaccines (two for dogs, one for cats), one annual wellness exam fee, and more. There’s also a puppy benefit that reimburses for four vaccines, including ones that you did before enrolling.


All dogs and cats 8 weeks and older are eligible to enroll for coverage, regardless of whether they have pre-existing conditions. However, pre-existing conditions are not covered by Pumpkin plans. Unlike some other pet insurances though, Pumpkin’s plan will be able to cover most curable pre-existing conditions that have been free of symptoms & treatment for 180 days and occur again in the future (with the exception of knee/ligament conditions).

Insurance Plans & Pricing

Pumpkin has a single insurance plan that applies for both dogs and cats. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit.

Pricing varies depending on whether you want a $100, $250, $500, or $1,000 deductible. Note that Pumpkin has an automatic 10% discount for each additional pet for which you buy an insurance policy.

What's Not Covered

One of the things Pumpkin does not cover is pre-existing conditions. In addition, after paying your annual deductible, your insurance policy entitles you to a 90% reimbursement for covered costs. You are responsible for a 10% co-pay. For all exclusions and full terms, visit pumpkin.care/insurancepolicy.

Waiting Periods

Pumpkin requires a 14-day waiting period for your insurance coverage to take effect for both accidents and illness. However, there are no waiting periods for Preventive coverage (some preventive coverage is retroactive, even offering you a refund if you sign up after you visit your vet). The company also has a 30-day money-back guarantee as long as you have not yet made a claim.**

Coverage Limits

Pumpkin’s plan has multiple options of coverage limits, depending on your preferences and your pet's needs. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Based on their research, 99% of insured pet owners typically haven’t spent more than that, which is how those numbers were chosen.*

Reimbursement and Deductibles 

Pumpkin’s plan includes a 90% reimbursement rate. You can choose between a $100, $250, $500 or $1,000 deductible for your plan. Costs for a four-year-old, medium-sized mixed breed dog living in 19711 are below. (Prices are accurate as of 7/1/2020 and vary based on plan type, pet breed, age, and location. To find up-to-date pricing information in your area, you can visit the site directly for a quote.)

Deductible
Monthly Premium
$100
$98.19
$250
$77.67
$500
$63.04
$1,000
$46.83

Claims and Service

Submitting a claim to Pumpkin is refreshingly simple. Just upload a copy of your vet bill using the website, or email or mail the claim, and the company will process your claim or follow up with any questions. You can also request that Pumpkin reimburse your vet’s office directly.

If you have problems, you can get in touch with Pumpkin’s customer service by phone from 8 am to 8 pm Monday to Friday (Eastern time). You can also send an email and expect a reply in 24 hours or less.

What You Might Like

  • Covers alternative therapies and behavioral issues
  • Prescription food for eligible conditions is covered***
  • Optional preventive health plan includes vaccinations and an annual wellness plan
  • Dental illness covered without annual exam
  • Hereditary conditions are covered, even high-risk ones
  • 10% discount for each additional pet you cover

What Pumpkin Could do Better

  • No coverage for pre-existing conditions
  • Expensive monthly premiums even with a high deductible

Contact Details and Address

pumpkin.care

help@pumpkin.care

1-866-ARF-MEOW

251 W 30th St # 9W, New York, NY 10001

How Pumpkin Compares: 


Waiting period
Sick exam fees

Accidents: 14 days

Illness: 14 days

Included

Accidents: 5 days

Illness: 30 days

Not covered

Bottom Line

Pumpkin’s pet care is extremely thorough as long as you remain within the coverage limits. There are few ongoing requirements to maintain coverage, which is good news if you’re not always the best about staying on top of annual dental visits or vaccinations. That said, Pumpkin’s plan comes with a higher monthly premium, so this insurance is suited for pet owners who expect to use a significant amount of the coverage.

Pumpkin Pumpkin Visit Site

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.

*Based on United States Fire Insurance Company data, August 2019.

The data shows less than 1% of insured dog parents typically submit claims totaling over $10,000 in a policy year and less than 1% of insured cat parents typically submit claims totaling over $7,000 in a policy year.

**30-DAY MONEY BACK GUARANTEE TERMS: Cancel Pumpkin Pet Insurance in the first 30 days and get a full refund as long as you have not received approval or payment for a claim. 30-Day Money Back Guarantee not available in NY.

***PRESCRIPTION FOOD COVERAGE TERMS:

Pumpkin insurance covers prescription food to treat an eligible accident or illness. It does not cover prescription food used for weight management or general health maintenance.

COMPARISON INFORMATION: Comparison information is provided using publicly available information as of 7/1/20 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing help@pumpkin.care.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Pumpkin
Pumpkin
Excellent
Reviews 884
on
Excellent
84%
Great
6%
Average
3%
Poor
2%
Bad
5%
consumer-image
stephanie bert dech
18 hours ago
Very good customer service
Very good customer service. Payments come in a timely manner.
D
diane
a day ago
The customer service reps are always…
The customer service reps are always great and payments are prompt.
E
ellen and finn
a day ago
Pumpkin is the best!
Pumpkin was incredibly responsive when my little buddy had a tangle with a copperhead snake. When unpredictable things like this happen, I'm so glad I thought ahead and got insurance. I had only had my rescued dog for 3.5 months when it happened. Everyone at Pumpkin was supportive and I got reimbursed for his expensive care quickly! And....I even received a sympathy card. Nice touch!!
J
john triminio
a day ago
Best pet insurance
Easy to communicate with. Claims are processed quickly. Friendly staff! Happy I have both my pets insured through pumpkin
C
chiefcma
a day ago
Grateful for their kindness
They have been very easy to work with and promptly processed and paid claims according to the plan we selected. When our poor little dog passed away after a sudden deterioration in her health, they sent us flowers. Wow! That was unexpected and much appreciated.
N
norman
a day ago
Our Pumpkin experience.
When we signed up for Pumpkin , we did so to make sure that if something of a very serious nature may happen to our dog, it would help us financially. We had not submitted claims until our dog did actually become very ill. As we went through the many Veterinary visits and purchase of several medications, we thought it best to get help in submitting our claims. The Pumpkin Team were incredibly helpful, and genuinely understanding, kind, and extremely helpful in assisting us through the process.
B
barb farfan
a day ago
Pumpkin has been great!!!
They have paid for everything that was promised. Great helpful people when I’ve had any questions!
c
customer
a day ago
Pumpkin has been so easy to work with!
Pumpkin has been so easy to work with!
D
diana smith
a day ago
You pay your claims quickly
You pay your claims quickly. Thank you!!
S
sandra mcfarland
20 days ago
Had first time emergency w cat and…
Had first time emergency w cat and Pumpkin paid as promised. Great relief in these hard times. Have recommended this co. to my vets as they never heard of it- and to friends.
J
jamazing
a month ago
Disgusting practices.
Underwritten by US Fire Insurance which is owned and operated by Crum & Forster who is pure evil. I have learned that most positive reviews for any C & F underwritten companies are likely paid and planted because when you have billions stashed in the Cayman Islands, you can pay for PR. Total garbage company, greedy little roaches.
consumer-image
leanne
a month ago
Transparent, honest and lifesaving
I’ve always carried insurance on my pets and have been very disappointed in most of them until pumpkin. Very clear about coverage, not misleading, no sneaky loopholes to deny a claim. I am heartbroken my boy needs to utilize it and would prefer he was well with all my heart as he is my “child” but It’s been a lifesaver for me. I tell everyone I know about pumpkin Insurance.
D
david &susanne moran
a month ago
Your customer service is one of the…
Your customer service is one of the best, you’re very prompt for a refund, I belong to many puppy groups, and I recommend you no less than three times a day
H
hobbs/ghada khalil
a month ago
We are satisfied with Pumpkin services…
We are satisfied with Pumpkin services they stay true to the policy, the do what they promised they will do. So far we have no problems or issues with them, they gave us a peace of mind, that if any of our dogs got suddenly sick, they will be there for us and for our dogs
G
gerry bennett
a month ago
Appling
Was easy to apply!!
m
mgp
a month ago
Everyone I talk to is really helpful…
Everyone I talk to is really helpful and nice!
M
money parent
a month ago
The claim was paid really fast
The claim was paid really fast, and customer service is top notch.
S
shelly
a month ago
Prompt and professional
They have been very good with follow through and prompt service. Very happy with my choice of insurance.
N
nicole bailey
a month ago
Amazing response time and conclusion
Amazing response time and conclusion
B
buchert
a month ago
Extremely professional and efficient!
Extremely professional and efficient!
A
amy a.
a month ago
Pumpkin consistently goes above and…
Pumpkin consistently goes above and beyond our expectations. Their claim process is incredibly straightforward, and every claim we have submitted has been approved and reimbursed promptly. Having Pumpkin as our pet insurance gives us peace of mind, knowing that we can take care of our cat’s veterinary expenses should an emergency or unexpected illnesses arise. Highly recommend this company!
L
laura k.
a month ago
Wonderful Pet Insurance
I have only been with Pumpkin a short amount of time however I cannot say enough good things about them. I signed up for the Well Visit part of the plan and I have never had a claim paid so quickly. If I could sign up for this insurance for myself I most definitely would.
g
grant hayden
a month ago
Quick and effortless payment…
Quick and effortless payment reimbursement for expenses.
T
thomas j whelan
a month ago
Good response time
Good response time. Easy to use website.
c
customer
a month ago
Professional and informative
Professional and informative
D
dan
a month ago
Impressed What Pumpkin Offered - I'm In!
I just signed up so I can't give much feedback other than after doing a lot of research on pet insurance your offer was by far the best.
G
gcbuy
2 months ago
Easy to file claims.
Easy to file claims.
K
kim g
2 months ago
Great customer service
Great customer service. When you need information the staff at Pumkin always help you.
T
tina jimenez
2 months ago
Was easy to sign up
Was easy to sign up
T
tara anderson
2 months ago
People were great.
People were great.
c
customer
2 months ago
So far everyone was very helpful during…
So far everyone was very helpful during the setup for insurance.
K
kim
2 months ago
Customer service is spot on
Glad I made the call. Not looking forward for a time we need to use it, but feel better about seeking new adventures because we have him covered.
c
customer
2 months ago
Signing up for Pumpkin was incredibly…
Signing up for Pumpkin was incredibly easy. Made an error in my selection and the support team was able to correct this for my policy within the hour.
G
george
2 months ago
Very good customer service and fast…
Very good customer service and fast return of claim.
c
customer
2 months ago
Customer reps and service thus far…
Customer reps and service thus far superior.
L
larry
2 months ago
Kind knowledgeable Team Member
Kind knowledgeable Team Member
A
anthony
2 months ago
The signing up process was very easy…
The signing up process was very easy and all questions answered.
P
paula
2 months ago
The claim was processed quickly.
The claim was processed quickly.
c
customer
2 months ago
Could not upload medical records
Could not upload medical records. Was not sure the application process was concluded.
R
rob lubanski
2 months ago
Fast and reliable service
Fast and reliable service, easy customer service
c
customer
2 months ago
You answered the phone right away and…
You answered the phone right away and continued to be helpful. Thanks for that
S
stewart morris
2 months ago
Great employees.
Great employees.
A
angela adams
2 months ago
Customer service was very helpful
Customer service was very helpful, friendly and courteous
M
mary
2 months ago
Pumpkin has made my first year with my…
Pumpkin has made my first year with my rescue puppy affordable. He has had many struggles that I would have had a difficult time affording. Thank goodness for pumpkin
Y
yvette sons
2 months ago
The helpfulness of the customer…
The helpfulness of the customer service. Clearly explaining what’s covered and helping me fix an oops.
c
customer
2 months ago
great customer service
great customer service
L
lin
2 months ago
Quick response and payment to a claim.
Quick response and payment to a claim.
D
dave thorburn
2 months ago
They are a great company and they care…
They are a great company and they care about your pets.They are also quick with the payments..Excellent company!!
S
segundo cuji
2 months ago
I'm new to this so I'll give you my opinion
I'm new to this so I'll give you my opinion
K
karen richards
2 months ago
Problems with Caption Call
Since I have satellite internet service the connection is somewhat slow. I have a problem with people talking slow. With friends it is ok but when I talk to others they talk so fast it is hard to understand and the receiver doesn’t pick up the conversation very well. As a result I usually don’t use caption call for business calls.
c
customer
2 months ago
Like that our vet is already in the…
Like that our vet is already in the chain of available , but dislaike that theirs no pumpkin app.
P
paul baumann
2 months ago
Would like to go to *my account...
Would like to go to *my account.... " To verify coverage, ytd reimbursement, etc
c
customer
2 months ago
Very prompt in claims processing.
Very prompt in claims processing.
c
customer
2 months ago
fast
fast, clear, decision
B
beau’s mom
2 months ago
Claims filed online
Claims filed online, check deposited into account within two days. What could be easier.
M
marquita
2 months ago
Outstanding wellness program addition
Customer Service is outstanding! Also finally an opportunity to add a wellness program to help protect our pets in addition to good overall insurance coverage!
S
samantha m
2 months ago
Great coverage with no hassle.
Great coverage with no hassle.
c
customer
2 months ago
You made it possible for me to get my…
You made it possible for me to get my dog the knee surgery he needed to live a good dog life. Thank YOU!!
c
customertim lemanski
2 months ago
Too Long to Reimburse
Takes weeks to months to receive reimbursement.
B
bc
2 months ago
Pleased with the quick response
Pleased with the quick response, thank you!
E
emily
2 months ago
Highly Recommend!!
Pumpkin insurance has been great for our pet. Almost all of our claims have been covered and the customer service is great! 100% worth the money.
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dawn patrick
2 months ago
Pumpkin is a must for my two Aussies!
I love Pumpkin and have it for both of my Aussies. I submit claims for their annual examine and payment goes directly to my bank account
D
diane
2 months ago
Fast claims processed.
Fast claims processed.
M
marie
2 months ago
Alway informing me of the status of my…
Alway informing me of the status of my claim
c
customer
2 months ago
The people were both helpful and…
The people were both helpful and extremely nice!
D
dave
2 months ago
Pumpkin performs
Pumpkin has paid according to the agreement we made on an accurate and timely basis.
S
stacy
2 months ago
Thankful for Pumpkin!
I am thankful for Pumpkin. It was the best decision we ever made when it comes to ensuring our pet had options if medical treatment was ever needed. We made claims for surgery, after surgery care, medical prescriptions - including prescription diet. Pumpkin covered every claim, without hassle, and quickly. I will never bring home another pet without ensuring they have coverage with Pumpkin. The monthly premiums paid are worth the assurance, and peace of mind.
M
michael goodling
2 months ago
Great service
Great service, always helpful on phone no hassles when I needed to file a claim
R
roseann benedetti
2 months ago
Very quick with claims
Filing a claim is very simple & fast. Last company I was with, it would take a month for that company to complete. Pumpkin is excellent. I would refer them to anyone seeking pet insurance.
c
customer
2 months ago
Good customer service
Good customer service. Quick to pay.
C
cristina
2 months ago
Fast answers and excellent customer…
Fast answers and excellent customer service thanks
P
paula
2 months ago
Excellent service.
Excellent service.
R
reuben kelii
2 months ago
Great service
Customer service representatives are pleasant and easy to work with. Claims filed are handled in a timely manner.
c
customer
2 months ago
Very responsive and quick turn around…
Very responsive and quick turn around on claims filed.
c
customer
2 months ago
Checks never arrived
Checks never arrived. Had to call them many times to see where the checks are. Took over a month to receive my reimbursements .
J
jessica
2 months ago
Pumpkin is a great company
Pumpkin is a great company, always easy to reach the customer service. Their customer service is always outstanding! Insurance coverage is great, easy to submit your claims and you get your reimbursement pretty quick
c
customer
2 months ago
Love the people and the care they show…
Love the people and the care they show towards our fur babies
consumer-image
judy sheppard
2 months ago
Excellent pet insurance
Excellent pet insurance. They paid my recent claim within a week. I have used them for 3 years and am extremely impressed with their coverage and customer service. Highly recommend Pumpkin.
"
"321"...not sure why i was given this name
2 months ago
The Best Pet Insurance
So easy to fill out claims and for the most part, they get back to you right away.
A
american bulldog mom
2 months ago
Love Pumpkin!
I am impressed with how easy Pumpkin is to work with when filing a claim and pleased with their quick reimbursements.
M
madrone
2 months ago
First claim was smooth..
I have had pumpkin for 2 years and just recently made my first claim. It went without a hitch and was simple.
c
customer
2 months ago
Pumpkin is the best pet insurance!
Pumpkin has saved me so much money and peace of mind. Very easy claim process. Worth every penny.
C
cheryl
2 months ago
Pumpkin Insurance is the best
Pumpkin Insurance is the best! They collect all your information from your vets and within a reasonable amount of time they send you the money for the issues your animal insurance covers. They have several tiers that is best for your needs. All animal owners should have insurance for their furry babies!
c
customer
2 months ago
Thank you
Your responsiveness and empathy when my dog became sick. Glad he’s ok now.
C
cecilio del valle
2 months ago
Responsible Human
Researched many pet insurance companies and was impressed with Pumpkins options. My Vet was also instrumental in my decision. Usage, I hope I don't need it, is yet to be determined.
c
customer
2 months ago
I have had excellent service
I have had excellent service. All the representatives I have spoken too are very knowledgeable and extremely helpful. I will definitely recommend you.
c
customer magda cruz
2 months ago
Very helpful
Very helpful, friendly and informative customer service.
B
barbara lee
2 months ago
I am new to Pumpkin
I am new to Pumpkin, but it was easy to sign up my 3 cats. So far, there are no problems.
C
cleo customer
2 months ago
Was easy to enroll
Was easy to enroll
c
customer
2 months ago
Stellar experience!!!
Stellar experience!!!
c
customer
2 months ago
The site was easy to use and understand…
The site was easy to use and understand what I was getting covered.
L
ld
25 days ago
How dare they label my dog
I just received a notification from Pumpkin regarding an appeal to a claim I submitted and they labeled my dog as having "consistent behaviors of aggression and anxiety." I filed an appeal for a claim that was denied because they decided it was a pre-existing condition. After the 4th of July on a night that I went out, my 7 year old German Shepherd was barking uncontrollably. My neighbor told me there were some large fireworks going off which probably brought on the anxiety, plus he started chewing on some things; for the first time he showed these signs of anxiety. The next day I called the Vet and he prescribed a medication that would calm the dog. Pumpkin originally denied the $57 medication claim because they called it as a pre-existing condition. They again requested all his records from the Vet, it was obvious they were phishing for an excuse to deny the claim. Even my Vet submitted a letter to Pumpkin. They claim that due to his records they found him to be aggressive and they have now labeled him that way. My German Shepherd goes for grooming once a month, has never bit anyone, he is well trained, loves people and children, so these are not signs of an aggressive dog. When he goes to the Vet, yes he gets uncomfortable if they are looking at a wound or getting shots. If you are taking your dog to the Vet it's because they are sick or have some kind of injury. How do you expect a dog to react, a muzzle is put on him and he then feels safe and calm. In the email by Brittany Spears she stated the following; "As a sign of good faith we are allowing Dexter's firework phobia separate from his pre-existing anxiety and aggression at the vet. This claim has been reprocessed. Since Dexter has displayed consistent behaviors of aggression and anxiety at the vet which began prior to the policy effective date, this condition will remain a pre-existing condition." I guess Pumpkin feels they are doing me a favor by paying the claim, when in fact it was a legitimate claim. How dare Pumpkin label my dog with behavior problems as stated by Brittany Spears who sent the email to me. My first strike against Pumpkin. Think twice before choosing Pumpkin.
C
c rush
2 months ago
I love that Pumpkin is connected with…
I love that Pumpkin is connected with the vet!
J
jim
3 months ago
Good comparison tool and signup was…
Good comparison tool and signup was fast and easy.
c
customer
3 months ago
Time will tell me just how good your…
Time will tell me just how good your company is
V
vincent croce
3 months ago
Do not purchase Pumpkin Pet Insurance
Do not purchase Pumpkin Pet Insurance! Two months after the 30 day waiting period our lab puppy became sick and was hospitalized for 1.5 days. I sent all the claim information, Vet. notes and receipts to Pumpkin. A month later it was denied stating pre-existing and occurred during the waiting period. Pumpkin Insurance is a scam.
c
customer
3 months ago
Answered my questions completely and…
Answered my questions completely and ease of website.
K
kaleb’s mom
3 months ago
Convenient and Quick Reimbursement
My pup’s vet recommended Pumpkin. I was skeptical at first as I’ve heard so many stories about animal insurance not being sufficient and ultimately a waste of money. However, I am pleasantly surprised with Pumpkin. I submitted my pup’s receipts for his annual and was refunded within just a few days via direct deposit for the full preventative visit through his essentials plans. The insurance options are flexible and with the essentials plan added, the peace of mind is worth it. I never want to need any of it besides the essentials to cover his annual but isn’t that how all insurance works? It’s best to have it and not need it than to need it and not have it. Very happy with my vet’s recommendation!
M
marilyn simon
3 months ago
emails missing order
did not receive 1 order, but was charged for it. WILL ARRIVE! IT is extremely frustrating, especially when it was expected it to be deliered in a timely fashion. FURTHER, THERE IS NO WAY TO KOW WHEN THE ITEMS/PACKAGE WILL ARRIVE! Receive too many irrelevant emails. ie requests for information i could not have experienced.
K
kathy
3 months ago
Great communication
Great communication. Rep was eager to help and very personable.