Many or all companies we feature compensate us. Compensation and editorial
research influence how products appear on a page.
Insurance Pet Insurance

Pumpkin Pet Insurance Review

Updated Nov 29, 2023   |   5-min read

Pumpkin Pet Insurance

Pumpkin Logo
on Pumpkin’s website
Editorial Rating

Pumpkin Pet Insurance

Editorial Rating

What we like:

Preventative Care option that reimburses 100% for routine care

Monthly PremiumsAs low as $302
Deductible$100, $250, or $500
Benefit LimitAnnual limit of $10,000 for dogs, $7,000 for cats1
Compare Pumpkin to other top pet insurance providers.

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 that may be worth considering.

In this review:

Pumpkin Pet Insurance: At a glance

Pumpkin Pet Insurance
Eligible BreedsAll breeds
Eligible Ages8 weeks and up
Maximum BenefitAnnual limit of $10,000 for dogs, $7,000 for cats1
Reimbursement Amount90%
Deductible$100, $250, or $500
Monthly PremiumsNot available
Waiting Period for Illness14 days
Waiting Period for Accidents14 days
Medical Exam Required?No
Visit WebsiteView rates

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

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

Another perk is that the waiting period for almost any illness or accident is only 14 days, so you don’t have to worry about waiting too 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?

Here is what is covered by Pumpkin’s dog insurance.

Pumpkin Dog Insurance Coverage

Here is what is covered by Pumpkin’s cat insurance.

Pumpkin Cat Insurance Coverage

What Pumpkin does not cover

Here is what is not covered by Pumpkin.

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

Pros & cons of Pumpkin Pet Insurance


  • Covers many things that some other providers don’t, such as hereditary conditions, dental disease, and behavioral issues

  • 10% multi-pet discount on each additional pet

  • Optional preventative coverage, including 100% reimbursement for the annual wellness exam and vaccines, for a low cost


  • The only benefit limits are $10,000 for dogs, and $7,000 for cats

  • Some competitors offer lower prices

  • Plans are less customizable than other providers’ plans

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’ll receive multiple options from which to choose.

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 a good idea to get one before getting a policy so that you can show that your pet is free and clear 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 a few different 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 preventative coverage.

Once you’re happy with the plan you’ve selected, 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 – $500
  • Reimbursement: 90%
  • Annual limit: $10,000 for dogs, $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.