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Insurance Pet Insurance

Pumpkin Pet Insurance Review

Best for Preventive Care

4.4 /5
LendEDU Rating
Pet Insurance
  • No reimbursement limits on its preventive care policy
  • Visit any licensed vet or specialist in the U.S. or Canada
  • 30-day money-back guarantee
  • $2 fee for monthly payments
Annual coverage$7,000 (cats only), $10,000, $20,000, or unlimited
Deductible$100, $250, $500, or $1,000

Pet health insurance has become a common expense for pet parents who want to keep their pets covered in the event of an illness or accident. Many companies offer insurance coverage that can help you avoid unexpected pet care costs and high vet bills.

Pumpkin pet insurance is one provider worth considering.

Pumpkin Pet Insurance at a glance

Pumpkin pet insurance
Eligible breedsAll breeds
Eligible ages8 weeks and up
Maximum benefitAnnual limits starting at $10,000 for dogs and $7,000 for cats
Reimbursed amount90%
Deductible$100, $250, $500, or $1,000
Waiting period (illness)14 days
Waiting period (accidents)14 days
Medical exam required?No
Visit websiteGet a quote

Pumpkin pet insurance makes applying for plans for your dog or cat easy. You can fill out a simple online quote request, get multiple coverage options for your pet, and choose from multiple annual deductibles to customize your monthly cost.

You can also add preventive wellness coverage to your plan for a small cost. This can reduce your out-of-pocket costs for annual vet visits and vaccines to almost nothing, making budgeting for medical care easy.

The waiting period for almost any illness or accident is only 14 days, so you won’t wait long for coverage to kick in after you purchase a policy.

How much does Pumpkin cost?

Pumpkin Pet Insurance premiums start from under $30 a month. The cost varies with the age of your animal. In general, older pets cost more to insure than younger ones, so insuring your pet while they’re young can save money in the long run.

What does Pumpkin cover?

Pumpkin’s pet insurance covers:

  • Accidents and illnesses
  • Diagnostics and treatments
  • Prescription medications
  • Emergencies and hospitalization
  • Surgery and specialized care
  • Hereditary conditions*
  • Dental and gum disease*
  • Behavioral issues*
  • Sick visit exam fees*
  • Advanced care* (e.g., chemotherapy)
  • Alternative therapies*
  • Prescription food for eligible conditions*

*Many providers exclude or charge extra for these coverages

Pumpkin’s dog insurance features annual limits starting at $10,000 and a 90% reimbursement rate on eligible vet bills. Its cat insurance starts at a $7,000 annual limit and a 90% reimbursement rate. You can select unlimited coverage limits for both.

What Pumpkin does not cover

Here’s what Pumpkin doesn’t cover:

  • Breeding costs
  • Spaying and neutering
  • Cosmetic and elective procedures
  • Non-illness-related dental cleanings

Pumpkin doesn’t cover conditions treated or that showed symptoms before coverage started or during the waiting period, at least at first. If a “pre-existing” condition is curable (e.g., UTI, tail fracture) and has been symptom- and treatment-free for 180 days, Pumpkin will cover it if it occurs again, with the exception of knee and hind leg ligament conditions.

For all exclusions, call 1-866-ARF-MEOW, or check out a sample policy.

Pros & cons of Pumpkin Pet Insurance


  • Covers hereditary conditions, dental disease, and behavioral issues

    Not all providers cover these

  • 10% multi-pet discount

    On each additional pet

  • Optional preventive coverage

    Includes 100% reimbursement for an annual wellness exam and vaccines at a low cost

  • No reimbursement limits on its preventive care policy

  • Visit any licensed vet or specialist in the U.S. or Canada

  • 30-day money-back guarantee


  • Some competitors may offer lower prices

  • Plans are less customizable than other providers’ plans

  • $2 fee for monthly payments

How to get a Pumpkin policy

Applying for a Pumpkin Pet Insurance policy is easy to do through the company’s website. Fill out an online quote form, and you can choose from several coverage options.

Enrollment eligibility information

Pumpkin Pet Insurance doesn’t list any specific enrollment eligibility requirements for its dog or cat insurance. All pets, regardless of breed and age, are eligible, though older pets will cost more to insure than younger ones.

The company sells insurance in all 50 states and Washington D.C.

Pumpkin’s policies do not require a medical exam, but it’s always wise to get one before getting a policy so you can prove that your pet is free of any pre-existing conditions.

How to apply

Applying for pet insurance coverage through Pumpkin is as easy as filling out an online form. Enter your pet’s name, breed, and age, and you’ll get several quote options. You can choose from one of three deductibles to customize your monthly premium.

After selecting a plan, you also have the option to add preventive coverage.

Once you’re happy with your selected plan, you can submit your payment, and the waiting period begins.

Where to find alternatives to Pumpkin

Pumpkin Pet Insurance is just one of many pet insurance providers on the market. If you want to insure your pet, it makes sense to shop around. You can check out our guide to the best pet insurance companies to get an idea of what might fit your needs.

For a one-on-one comparison, check out how Pumpkin compares to Spot.

Ready to learn more about Pumpkin Pet Insurance? Check out its website.

  • Deductible: $100 – $1,000
  • Reimbursement: 90%
  • Annual limits start at $10,000 for dogs and $7,000 for cats

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. 

1. 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 Products, discounts, and rates may vary and are subject to change. More information available at checkout.

2. Price of monthly premium varies based on plan type, pet breed, age and location.

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.