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Pumpkin Review
Reviews 423
Pumpkin
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Pumpkin
Pumpkin
Excellent
Reviews 423
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

4.6
Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat
5.0

Customizable rates and services

Customizable plans and rates, upper age limit
3.0

Claims payout waiting period

Days
5.0

Customer support

24/7 communication and a pet hotline available
5.0

Bundles

Multi-pet and multi-policy bundles available
5.0

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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See what some costumers are saying about Pumpkin
Pumpkin
Excellent
Reviews 423
on
Excellent
84%
Great
5%
Average
3%
Poor
2%
Bad
6%
D
domi
14 hours ago
I was very easy to sign up and when i…
I was very easy to sign up and when i had questions the chat response was very fast.
A
allison villegas
2 days ago
Great customer service
Great customer service! High reviews from our vet Central Valley Vet Chowchilla CA
c
customer
2 days ago
You got billing right.
You got billing right.
S
sarah
5 days ago
Very informative and polite
Very informative and polite. Double checked a few things for me to see if it would be covered. This is a bit pricey for what I’d like, but w a 90% reimbursement and the most items covered. I’m giving it a whirl!
c
customer
5 days ago
Simple easy to subscribe and claims…
Simple easy to subscribe and claims handled quickly
M
meg
5 days ago
Happy I chose Pumpkin
So far I am super happy with Pumpkin. Their policies are easy to understand, very easy to make claims and they are quick to submit payment/reimbursement. Great customer service as well! You talk to a human right away. I am very happy!
J
janice o
5 days ago
Comprehensive Pet Insurance
website was easy to use, contained pretty complete and detailed information, and additional communication by e-mail was very helpful, The insurance itself is comprehensive.
Z
zoe kharpertian
6 days ago
Super fast claim process and great coverage
I could not believe how quickly my claim was processed! Within hours! Great service. Thank you!
S
sam
7 days ago
Good choice
Very helpful getting dulce registered. Went out of her way to complete. the registrations.
c
customer
7 days ago
Easy to compare and sign up
Easy to compare and sign up
T
tom olsen
7 days ago
Quick and easy
Quick and easy
P
pam
7 days ago
Very easy to sign up
Very easy to sign up. Customer service was great. Very helpful.
M
mary n
7 days ago
Andrianna made my experience great
Andrianna made my experience great. She was kind, knowledgeable, taking time to explain the process and type of benefits Pumpkin offered. What a joy to work with someone that wants to support you. Very different from a negative experience I had with another pet insurance company, which reminds me I need to register a complaint against that company.
M
michelle
9 days ago
Easy process
Easy process. Comparable rates.
J
jo si
9 days ago
I had questions about the policy…
I had questions about the policy because I did buy the extra wellness and didn't realize that they went into effect on different days.
c
customer
9 days ago
Well I haven’t had the opportunity to…
Well I haven’t had the opportunity to use your services. Stay tuned!
C
cyril lagvanec
9 days ago
Your representative was top drawer
Your representative was very knowledgeable and personable. I appreciated you all helping me get health insurance for my cat, Licorice.
S
sam powers
9 days ago
Easy to do business without a lot of…
Easy to do business without a lot of hassle.
c
customer
10 days ago
Insurance plan costs too much
Insurance plan costs too much. I probably will have to cancel in the next couple months if I can't get a cheaper plan.
C
chery
11 days ago
Older Cat Insurance
I needed insurance for my two 14-year old cats which Pumpkin offered. The enrollment process was simple and pricing very acceptable considering how old they are. My experience has been very positive thus far.
R
ruth
11 days ago
I didn't think I had completely filled…
I didn't think I had completely filled out the form, OR agreed to purchase the plan, because the webpage was being difficult, until I saw the charge on my credit card! IDK what the actual date was, the end of December, first of January
A
al hinken
11 days ago
I just got the insurance and haven't …
I just got the insurance and haven't used it yet so I don't know how it is as of this day...we shall see & >}
c
customer
13 days ago
Quick and painless
Quick and painless! Thank you for helping me give my kitten the best care possible.
T
thomas paddock
13 days ago
I chose Pumpkin in order to be prepared…
I chose Pumpkin in order to be prepared in case Maggie, my 7 year old Great Dane/ Bull Mastiff becomes ill, as I am pretty sure she will eventually. Pumpkin layed out the costs and benefits clearly for me to make an informed decision. My coverage takes effect tomorrow and I am glad I have the coverage in case something bad happens.
P
pamela
13 days ago
Just purchased
Just purchased. Seems good, so we’ll see.
c
customer
13 days ago
First Pet Coverage
First time purchase of pet insurance for a new puppy and all went well on the purchase. Haven’t used it yet so if and when I ever do, that’s when I will know exactly how good the company is. Hopefully I choose the best Company.
H
heather ashley-collins
13 days ago
Pumpkin is by far the best pet insurance
Pumpkin is by far the best pet insurance plan I researched and I researched more than 20 plans. The staff is so accommodating and it is so easy to make claims. Very excited to have both of my fur babies covered by this plan!
c
customer
13 days ago
I have been trying to set up a password…
I have been trying to set up a password for close to an hour. The help I receive is not satisfactory. do not have password. Will have to try another day. If you could just send me a password by email I would be a happy camper.
D
dahlnoir
13 days ago
Easy to get a quote
Easy to get a quote. Reasonable prices.
D
diana r
14 days ago
Great customer service representative…
Great customer service representative made me feel confident about my choice.
s
sally hall
14 days ago
good experience
responsive, polite, professional. price and coverage.
G
ginger
14 days ago
Fast very very fast on the direct…
Fast very very fast on the direct deposit and thank you for sending her a gift. It's like you guys really do care
S
sandy
15 days ago
Recommendation
I would like to recommend that you make it easier to locate the Preventative Essential Policy as I had a hard time locating the information. Other than that, it was easy to compare the Pet Insurance policy and the website is very easy to use.
c
customer
16 days ago
You were quick to answer questions and…
You were quick to answer questions and gave reasonable explanations prior to purchasing
B
bonnie blake
16 days ago
STAFF WAS FRIENDLY AND KNOWLEDGEABLE
STAFF WAS FRIENDLY AND KNOWLEDGEABLE. TOOK CARE ENROLLING MY PET AND I RECEIVED ALL POLICIES, ETC IN A TIMELY MANNER
c
customer
16 days ago
Never had a problem getting my money…
Never had a problem getting my money back and of course that's what we're all happy about and you're very helpful when I have questions thank you
B
brandie customer
16 days ago
I had just started a plan for our…
I had just started a plan for our Bernese Bailey and she ended up passing away. I was able to cancel my plan and then unexpectedly we had a flower delivery. Pumpkin sent us an arrangement with a beautiful card.
P
pamela
16 days ago
website is not customer service…
website is not customer service friendly-I haven't used product yet
c
customer
17 days ago
Not very transparent
Not very transparent
c
customer
17 days ago
filing a claim was easy
filing a claim was easy when I needed help, I was able to call and get the assistance I needed right away from an actual person
S
sonya goll
17 days ago
When I was looking for replacement…
When I was looking for replacement insurance for my pets the site was very informative and the best value.
N
natalie
18 days ago
They complete the claims vey fast
They complete the claims vey fast, very friendly customer service. Thank you Pumpkin
J
jon
18 days ago
Great service and amazing benefits!
Great service and amazing benefits!
D
dolores
18 days ago
Everyone was professional and friendly
Everyone was professional and friendly, not to mention made me feel like they really cared for my cart, Mango.
S
sue eisenhart
19 days ago
Preventive Essentials
I’ve filed two “preventive essentials” claims for my new puppy and both were paid directly into my checking account less than a week after submitting the claims. I’m very pleased with the service so far.
S
sara terrio
19 days ago
I submitted my claim and it was…
I submitted my claim and it was processed within the same day! Great service
B
bmb
19 days ago
Ease of website
Ease of website
c
customer
19 days ago
All of the employees that I’ve spoken…
All of the employees that I’ve spoken to over the telephone were very kind. They explained the insurance policy to me very clearly and in a language that I speak and understand. They also encouraged me ask them any questions in which I did and they answered them.
c
customer
20 days ago
Lady was very kind knowledgeable and…
Lady was very kind knowledgeable and explained things to me very good customer service
M
maria
20 days ago
Stellar customer service
Quick, friendly, and helpful customer service response. Fair and affordable rates. Great benefits.
D
derek
20 days ago
Andrianna answered all questions really…
Andrianna answered all questions really fast and made the information very easy to understand. She was very kind and helpful. It made me trust that I made a great choice with Pumpkin!
consumer-image
celestina
20 days ago
Very easy to getting ins for my dog…
Very easy to getting ins for my dog online Thank you
E
ernita hall
21 days ago
Just found out none of the vets in my…
Just found out none of the vets in my area take pet insurance.
J
julie
21 days ago
The customer service is over the top .
The customer service is over the top . The only thing I didn’t like was you looked into my 2 vet visits and decided Joey had a pre-existing condition.
M
maggie
22 days ago
You disappeared
You disappeared
K
kitte
22 days ago
So far good I am in the 2 week waiting…
So far good I am in the 2 week waiting period.
L
lilly
22 days ago
Easy sign up!
It made it so easy to understand what I was getting with my plan when signing up. Great service, easy to understand and covers so many things!
c
customer
22 days ago
It was easy to sign up for and had good…
It was easy to sign up for and had good rates. It had the coverage i needed.
W
wendy p
22 days ago
Signing up was easy.
Signing up was easy.
c
customer jennifer
22 days ago
She answered ins for pup my question
She answered my question
S
stephanie brown
23 days ago
Website easy to use and understand
Website easy to use and understand
D
danielle salmonson
23 days ago
The timely manner in which my claims…
The timely manner in which my claims were handled..
c
customer brenda
23 days ago
It was an easy quick experience
It was an easy quick experience
F
flgirlmomo
24 days ago
Policy info?? What’s covered??
Keep getting emails asking me to purchase a policy. I thought I already did. But I haven’t received anything with any policy number or info on what it covers. Very confused. You do a great job of selling but how about a little customer support after you e closed the sale??
c
custorich dombrowski mer
25 days ago
I did not receive my reimbursement for…
I did not receive my reimbursement for the Microchip put in my dog Buddy. Why didn't I receive my reimbursement.
c
customer
a month ago
I just signed up for Pumpkin because my…
I just signed up for Pumpkin because my vet told me Pumpkin was the easiest plan to work with.
B
bobbi
a month ago
I have peace of mind knowing whatever…
I have peace of mind knowing whatever may happen to my dog he is covered. I will never have another pet who is not insured.
c
customer
a month ago
I've made several claims due to ongoing care and each claim has been paid out appropriately.
It makes it a lot easier to care for my pups when I don't have to worry about the bill at the end.
A
anneliese
a month ago
Andrianna was so wonderful and pleasant…
Andrianna was so wonderful and pleasant when I signed up for Buddy’s Insurance plan. Her enthusiasm about hearing of Buddy’s first Birthday really made us feel special.
r
rosemary
a month ago
on line research was very easy to…
on line research was very easy to navigate i.e. what is covered and what is not it was very easy to download and send our pups records as well they even received a welcome gift
M
margaret
a month ago
Problem with my name spelling on initial application.
This an approximate date. When I first signed up for pumpkin, I spelled my name wrong when I filled out the information. I contacted customer service via email, and they corrected my name and sent me a very friendly email back. This makes me feel that pumpkin is very responsive to customers.
J
jackie3
a month ago
Coverage
Coverage, representative I spoke to, and the claims process was so easy!! Would highly recommend!
T
toni
a month ago
This was easy to get my pet insurance…
This was easy to get my pet insurance online. I am relieved to know that my pet coverage is in place.
A
alexandria morrow
a month ago
For Astro
Shortly after moving into our new home, Astro, who has had a history of urinary crystals had another block. It was his third in two months. We made a tough decision to go through with a perineal urothostomy after the change of diet wasn’t working. He has since recovered great but at the time we were anxious and Pumpkins claims team made it a very seamless process. I wouldn’t choose any other coverage for our cats. Thanks Pumpkin
S
scout’s mom
a month ago
Excellent response when I filed a…
Excellent response when I filed a claim. Wish my health insurance was that quick.
J
jane
a month ago
Love Pumpkin pet insurance and Trustpilot!!!
I liked that there were so many options to choose from. I've never bought pet insurance for my dogs in the past, but I decided to with my new puppy. It was great that I could choose exactly what I wanted covered. (I chose the illness as well as the wellness). Trustpilot provides you with the information you need to help make the right decisions.
c
customer
a month ago
Prompt and helpful.
Prompt and helpful.
c
customer
a month ago
Process for getting started.
Process for getting started.
c
customer
a month ago
I am submitting claims and they are all…
I am submitting claims and they are all being denied although I have the plan that covers everything.
M
mary alice patton
a month ago
Rapid responses to questions/good…
Rapid responses to questions/good follow-up/detailed and understandable responses/pleasant tone
H
heidih
a month ago
Excellent Coverage
Prompt and friendly service. Excellent coverage.
c
customer
a month ago
I received paperwork in the mail today…
I received paperwork in the mail today for my 3 pets that I enrolled. But it did not include info on the wellness plan that I opted for as well. I would have like to have gotten more info electronically right away after enrolling, in a easier to understand right away how the policy will work and how claims are made. Its a lot of money.
c
customer
a month ago
Real people answering emails.
Real people answering emails. Fast and courteous communication.
c
customer
a month ago
Fast customer service response
Fast customer service response, communication is excellent
consumer-image
barbara farias
a month ago
The ease of submitting claims was…
The ease of submitting claims was wonderful. And the comfort of knowing I have a backup in case of emergency puts my mind to ease.
J
james
a month ago
Easy Peasy.
Ease of getting these pets covered
B
barbara sargent
a month ago
So far so good
So far so good
V
velda
a month ago
Good decision
Searched and searched pet insurance companies. Pumpkin came out on top.
S
stephanie iszak
a month ago
My pet is being treated for a limp that…
My pet is being treated for a limp that in a chat I was told would not be covered. Also, my 2 claims say they are awaiting Vet information. I was a the vet and asked them about this. They said they didn't receive any request for Mia"s chart. What is going on with my claims?
C
cynthia kuroiwa
a month ago
Es el mejor seguro que he tenido
Es el mejor seguro que he tenido, lloré de emoción cuando me enviaron las flores 💐 cuando mi niña falleció 😢 fue un detalle demasiado hermoso!! El servicio A1 la cobertura funciona muy bien!! No sé qué me hubiera hecho sin ustedes!! Gracias pumpkin los Amo!! Recomendable 100%!!
G
gus
a month ago
Can't review it yet since it's only…
Can't review it yet since it's only days since I signed up. But the signup was painless!
B
becky f.
a month ago
Was easy to sign up and when I decided…
Was easy to sign up and when I decided to change my new pets name, it was simply a matter of a quick phone call.
c
customer
a month ago
I want a refund and it’s not being…
I want a refund and it’s not being processed
consumer-image
elizabeth arias bohart
a month ago
PUMPKIN PET INS denied my pet prescription
Pumpkin denied a prescription Royal canine prescription diet for Kaiser that is on more than a year that always was refunded. They said to appeal but the appeal will affect other claims. Later the email information about the appeal indicates that they might impact other claims as they are related. Kaiser has exams in a week regarding his cancer status. So how am I supposed to continue caring for his care when pumpkin might stop these future expenses on the light of an appeal? The raised Kaiser premium from $117 to $177 as of January 2023. How does this look for caring for my pet?
S
sean
a month ago
Wish there was an app and a better way…
Wish there was an app and a better way to see what is covered and what is not
C
charlotte hodges
2 months ago
Understanding and caring
Understanding and caring
D
dawn garcia
2 months ago
Signing up
my questions were answered quite fast.wonderful customer service
N
nat
2 months ago
Very grateful for Pumpkin
The team at Pumpkin is kind, caring and fast in their replies. We have felt very taken care of by them since we enrolled. To say we have a little more peace of mind as our dog ages is an understatement. We have had a couple of unexpected vet visits and emergencies, and Pumpkin has been there for us every time. Submitting claims is easy and fast.
c
customer
2 months ago
User friendly and prompt
Pumpkin has a very user friendly process. Filling out claims is quick and easy and they are very prompt at issuing reimbursements. I have another pet insurance for one of my cats, and it really makes me appreciate how simple it is to fill out claims. Pumpkin does all the detailed work, and the customer simply uploads documents with a few clicks. Easy!!
C
carolyn
2 months ago
Fast turn around and wonderful coverage…
Fast turn around and wonderful coverage for my dog with allergies.