We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Pumpkin Review

Pumpkin Pet Insurance Review

16 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
Founded in 2019, Pumpkin Insurance Services, Inc. is a licensed insurance agency that offers health coverage for dogs and cats in all 50 states. Pumpkin polices are underwritten by United States Fire Insurance Company. Pumpkin is located in New York, New York.
 
VIEW RATES

How is Pumpkin rated?

Breakdown

3.5/5
Coverage
3.5/5
Cost
3.5/5
Extras

Overall Rating: 3.5 / 5 (Very good)

Pumpkin Pet Insurance offers comprehensive coverage for dogs and cats, focusing on accident and illness protection with optional wellness add-ons. The plans cover up to 90% of eligible vet bills, including diagnostics, treatments, and prescription medications, with customizable deductibles ranging from $100 to $1,000. There are no breed or upper age limits, making it accessible for pets of all ages. Claims are processed quickly online, and the company emphasizes transparency with no hidden fees. However, monthly premiums tend to be higher compared to some competitors, and the wellness add-on is an additional cost. Overall, Pumpkin provides robust coverage with a strong focus on preventative care, making it a solid choice for pet owners seeking extensive protection.

Pumpkin Coverage

Coverage - 3.5 / 5

Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Holistic Care

Benefit Limits

Benefit Limits - 3.5 / 5

Annual Limit of $10K, $20k or Unlimited For Dogs. Annual Limit of $7K, $15k or Unlimited For Cats.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 3.5 / 5

Get up to 90% cash back on eligible vet bills is an option for every pet 8 weeks and up, seniors included.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
80%
Maximum Percent Reimbursement
90%

Deductibles - 3.5 / 5

Pumpkin offers 4 Annual Deductible Options. Choose to pay either $100, $250, $500, or $1k towards covered vet bills before your cash back kicks in each year. For lower monthly payments, try a higher deductible.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1

Pricing: How much does Pumpkin cost?

Cost - 3.5 / 5

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$51.29
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$21.52
Rate Details: Rates quoted are based on a one-year-old male Golden Retriever and on a one-year-old male domestic short hair cat living in Orange County, California. Annual deductible: $500. 90% actual cost reimbursement. Annual benefits cap: $10,000 for dogs, $7,000 for cats.
Available Discounts: Multi-pet discount available.

Enrollment & Waiting Periods

Enrollment - 3.5 / 5

You can enroll your pet in a Pumpkin insurance plan online. The company has a minimum pet age of 8 weeks, but it has no maximum age limit. There is a 14-day waiting period from the date of enrollment before you may file a claim.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 3.5 / 5

Annual Wellness Exam: 100% refund for the exam fee when your puppy or adult dog gets a yearly check-up, vaccines, and tests – key for overall health and catching illnesses early.

Vaccines at the Vet: 100% refund for any 4 puppy vaccines at the vet in Year 1, or any 2 adult dog vaccines at the vet each year – key for protection against dangerous diseases.

Parasite Screening Tests: 100% refund for 1 puppy or adult dog’s yearly fecal “poop” test for intestinal worms + 1 adult dog’s yearly blood test for heartworm & tick diseases – key for detecting parasite infections early.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://www.pumpkin.care
Headquarters Address
251 W 30th St # 9W, New York, NY, 10001
Year Founded
2019

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Pumpkin Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

16 Customer Comments & Reviews

Loading Reviews ...
Christopher B

7/3/2021
Highly interested and love how secured I already feel with the sincerity level of care as a newcomer into these pandemic days they offer relief

A
ataka r

6/4/2021
Im looking over the sample policy and you wont even cover a basic ultasound? Your policy coverage reads "e. MRI, CT scans and x-rays" why wouldnt you cover a ultrasound which is cheaper than MRI and CT???, doesnt make any sense? A ultrasound doesnt emit radation so its safer too for your dog???? Is this a scam or am i missing something? Then when i posted this on facebook instead if answering it they deleted my comment! What are they trying to hide???

John A

6/2/2021
Pumpkin health care will harass you forever if you don’t choose them. They cannot take no for an answer and their prices are absurd. You would be wise to choose any other per healthcare company. Pumpkin is rotten insurance.

Thomas B

4/1/2021
Rates and coverage much better than our current policy with Healthy Paws. Never had a claim with Healthy Paws and hope we never have a claim with Pumpkin.

T
Toni N

3/16/2021
My cat was, yes, I said was,16 yrs old, going on 17 in June of 2021. Since I have been shopping around for pet insurance, I came upon Pumpkin Pet Ins., filled out the questionnaire, and they suggested a $7000 insurance policy back in January 2021. I saw the premium amount, but I wanted to see the difference if I went for the higher insurance amount of $15,000. There really wasn't that much difference in the monthly premium price, and so, I applied for the $15K policy. They accepted, and I began paying the monthly premium of $138 per month. In the meantime, my debit card became compromised, and I had to change it. I actually forgot to change the number on Pumpkin and by the time I realized... Read More

Steve L

3/16/2021
Pumpkin only offers a monthly billing option and adds a $2 service fee per month. I questioned this with the Pumpkin staff and was told that's all they offer. Their policy contract explicitly states in the declaration pages and in the Conditions that the policy can be paid annually to avoid these monthly transaction fees. In CA, a service fee is not allowed if it's the only option for payment. The Pumpkin staff indicated that's all they offered since 2019 but said that they were "thinking about it". As this is explicitly stated in the policy and is not true, I began to question what else in their policy conditions and coverage might not be true? If I can't trust that the policy... Read More

Christie  
Official Response

NA of Pumpkin Pet Insurance
Hi Steve! Happy to let you know we now do offer annual payment options- thank you so much for your feedback!
Top Rated
Our Partner
  • Get Up to 90% Cash Back on Eligible Vet Bills
  • Coverage for Routine Wellness, Accidents & Illnesses
  • No Upper Age Limits or Breed Exclusions
  • Annual Limit of $10K, $20k or Unlimited For Dogs
     
READ FULL REVIEW >
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons