Pumpkin Pet Insurance Review

Founded in 2020, Pumpkin is a pet insurance provider that offers accident and illness coverage as well as preventative care plans. Pumpkin has no limits on maximum age or breed restrictions. Additionally, it covers a variety of common vet bills and then some. And Pumpkin keeps things simple with a 90% reimbursement rate across the board.

Let’s take a deep dive into everything Pumpkin offers in order to give you a more complete picture of their pet insurance options.

Pros and Cons of Pumpkin



What Does Pumpkin Offer?

Pumpkin Pet Insurance has quickly earned a reputation for keeping their plans simple and easy to understand. Pet owners are free to choose between a standard insurance plan or an insurance plan with a preventive care plan added on. You can find specific coverage details on the Pumpkin website.

Here’s what you can expect for dogs as provided on the Pumpkin website:

pumpkin dog

And here’s what you can expect for cats as provided on the Pumpkin website:

pumpkin cat

What To Expect on the Site

In order to start the enrollment process, head over to their website to receive a price quote. On the website, click on the “Fetch My Free Quote” button. You’ll then be asked for some basic information about your pet including their name, age, and gender.

Once you enter that information, complete the process by providing your own name, email address, and location. After that, Pumpkin will present a plan and price quote. You’ll have multiple options based on different annual deductibles. At this point, you’ll also have the option to add preventive wellness coverage.


The cost of pet insurance depends on a number of factors, including your pet’s age and breed as well as the plan and deductible you choose. The price also varies depending on whether or not you qualify for a discount or decide to add Pumpkin’s Preventive Essentials plan.

That said, it’s easy to get a better idea of how you’ll pay. Simply get a price quote on Pumpkin’s website. It only takes a few minutes to go through their free online quoting process. So, you can quickly learn more. You can also take advantage of a 10% multiple pet discount as well as a 30-day money-back guarantee.

What People Are Saying About Pumpkin

Pumpkin has an excellent reputation on Trustpilot. As of November 2021, the company has a score of 4.6 out of 5 stars. This impressive rating is based on feedback from customers who shared reviews.

The Bottom Line

Pumpkin covers all of your pet’s bases and then some. While your standard accident and illness coverage is there, the company goes above and beyond to offer coverage for some typically excluded areas. And with no upper age or breed limits and a 90% reimbursement rate, Pumpkin can be a great option for a variety of pet pals. As far as pet insurance providers go, Pumpkin stands out from the pack. If you’re looking for pet insurance coverage to help with veterinary costs, include Pumpkin in your search for the best pet insurance providers.

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.
Pumpkin Advertiser Disclosure: 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. 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 Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Pumpkin Insurance Services, Inc. is responsible for this advertisement.