Pumpkin Pet Insurance is a reimbursement pet insurance plan that covers many of the common accidents and illnesses that dogs and cats face. Learn more here.

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InsuranceRanked Score 4.9
Year Founded 2020
AM Best Rating

Pumpkin 2024 Review

Kimberlee Leonard

Insurance and Financial Services Professional

Pumpkin screen shot

Pumpkin Pet Insurance was founded in April 2020 during the Coronavirus pandemic when more people were adopting and buying dogs and cats while under lockdowns. Pumpkin Pet Insurance saw a need to add a reliable, no nonsense pet policy to the market that wasn’t confusing and didn’t have as many restrictions as a lot of the other pet insurance policies.

Pumpkin pet insurance

Pumpkin Pet Insurance is a reimbursement pet insurance plan that covers many of the common accidents and illnesses that dogs and cats face. It prides itself on not having sneaky add-on fees or breed or age restrictions.

Pumpkin pros and cons

The pros of Pumpkin Pet Insurance include:

  • Fur parents get a 90% reimbursement for covered vet bills
  • Doesn’t have breed or age restrictions
  • No six-month waiting period for coverage to begin

The cons of Pumpkin Pet Insurance include:

  • New company without a long history of success
  • Does not cover exotic pets

Pumpkin pet insurance plans

Pumpkin Pet Insurance offers an accident and illness plan as well as a preventative medicine package. It offers coverage for dogs and cats with any licensed veterinarian in the United States.

What Pumpkin pet insurance covers

Pumpkin Pet Insurance covers many common accidents and illnesses, including:

  • Eye, ear, and skin infections
  • Digestive issues
  • Urinary infections
  • Hip dysplasia
  • Cancer and growths
  • Broken bones
  • Swallowed objects
  • Bite wounds

It also covers diagnostic tests and advanced care such as:

  • Radiology and diagnostic tests
  • Prescription meds
  • Emergency hospitalization
  • Alternative therapies
  • Surgery
  • Specialized care
  • Cancer treatments

Plans also cover things that other plans don’t cover such as:

  • Hereditary conditions
  • Dental and gum disease
  • Behavioral issues
  • Sick visit exam fees
  • Microchip implantation
  • Prescription food for eligible conditions

What's not covered

Pumpkin pet insurance doesn’t cover pre-existing conditions. Once a condition is cured and the 14-day waiting period is complete, recurring conditions are covered. Some other things that Pumpkin Pet Insurance doesn’t cover include:

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

Pumpkin coverage options

Pumpkin Pet Insurance coverage options allow you to tailor the plan to meet your needs. All plans come with a 90% reimbursement rate. From there, you can choose the annual limit to be $10,000, $20,000, or unlimited. You can also choose an annual deductible of $100, $250, and $500. The wellness plan that covers preventative care is also optional.

Restrictions and waiting periods

There is a 14-day waiting period before illness protection is usable. The same waiting period applies to accidents. If your pet has a pre-existing condition, it must be cured for at least 180 days before you can get coverage for it. The only restriction is on knee and hind leg ligament conditions.


Pumpkin Pet Insurance offers a 10% discount on “second” pet plans. If you have more than one pet that needs coverage, you get 10% off of their plan to help alleviate the expenses of having multiple plans.

Consumer experience

Pumpkin Pet Insurance has a 4.5-star rating on Trustpilot, with 84% of those offering reviews giving the company a 5-star rating. Consumers seem to have a positive experience with the claims team and are generally happy with the service that allows them to get care for their beloved pets.

Complaints revolved around denied claims. One complaint, in particular, said that a prescription food was denied when it was previously covered under another carrier. The consumer had little confidence in future claims revolving around the cancer status of his pet.

Pumpkin vs. competitors

Pumpkin vs. Lemonade

Both Pumpkin and Lemonade offer accident and illness pet plans with optional wellness plans. There are some key differences between the two carriers. Pumpkin Pet Insurance covers dental illnesses and behavioral issues, while Lemonade doesn’t. Pumpkin Pet Insurance also covers preventable conditions that pet owners were advised on; Lemonade plans have restrictions. Lemonade won’t cover recurring conditions (things that occur twice within 18 months), whereas Pumpkin plans do. Pumpkin will also cover most pet prescription food, whereas Lemonade doesn’t. There are no extra charges with Pumpkin for exam fees or physical therapy costs. Lemonade has an upper age limit based on breed, whereas Pumpkin has no age restrictions.

Pumpkin vs. Spot

Pumpkin and Spot are two pet insurance carriers that offer accident and illness plans. Where Pumpkin has a 90% reimbursement rate, Spot has three options ranging from 70% to 80% to 90%. Pumpkin has a $10,000, $20,000, and unlimited annual benefit limit for dogs ($7,000 and $15,000 for cats), whereas Spot has options including $2,500, $4,000, $5,000, $7,000, $10,000, or unlimited. Neither cover boarding nor breeding services. Both cover behavioral issues, end of life expenses, and hereditary conditions.

Pumpkin Pet Insurance Routine Wellness Plan

Pumpkin Pet Insurance’s wellness plan is called Preventative Essentials. It was designed with veterinarians to help cover the routine care pet owners need for their animals. In this plan, you get an annual wellness exam. This is 100% covered to help you catch problems early on. Puppies get four vaccines, while adult dogs get two vaccines annually. Additionally, there is a 100% refund for fecal testing for heartworm and tick diseases to catch parasitic infections early.

Pumpkin Pet Insurance Coverage Levels

Deductible options

Deductible options vary depending on whether or not you have a dog or a cat. The deductibles are as follows:

  • Dog
    • $10,000
    • $20,000
    • Unlimited
  • Cat
    • $7,000
    • $15,000
    • Unlimited

These are annual limits that start over on your anniversary date of getting the plan.

Reimbursement level

Pumpkin Pet Insurance offers one reimbursement program. It gives pet owners a 90% reimbursement on all covered claims.

How to Save Money on Pumpkin Pet Insurance

Pet insurance can be costly. There are ways to save on the costs of pet insurance. Pet owners with multiple pets get a 10% discount on pet plans. Additionally, pet owners can choose lower annual limits and higher deductibles to help save money on the cost of Pumpkin Pet Insurance.

Pumpkin Pet Insurance Pricing

The quote process is simple.


You start with the basics about your pet.


You then describe your pet’s lifestyle.


After some qualifying questions and contact details, you pick a plan.

Sample Monthly Premiums

We ran quotes for unlimited coverage with a $500 annual deductible for both mixed breed small dogs and cats.

Age Dog Cat
1 $68.73 $57.95
3 $68.73 $57.95
5 $82.94 $62.52
7 $105.29 $80.37


Pumpkin Pet Insurance offers a 10% discount for insuring multiple pets.

Pumpkin Pet Insurance State Availability

Pet owners in all 50 states can use Pumpkin Pet Insurance. It offers a reimbursement of veterinarian expenses for any licensed vet in the U.S.

Our Verdict

Pumpkin Pet Insurance is a comprehensive insurance plan that takes the guesswork out of getting protection for your pet. You get 90% reimbursements with simple deductible options. Pet parents with dogs or cats can rest assured that they have coverage with any licensed veterinarian in the United States.


Frequently Asked Questions

Will the cost of my pet insurance plan increase as my pet gets older?

Yes. Older pets cost more to insure than younger pets.

Will submitting a pet insurance claim increase my monthly premiums?

Submitting a claim will not increase your monthly premium for pet insurance.

Are pet insurance plans and pet health insurance the same thing?

Pet insurance plans and pet health insurance are the same thing. They cover a percentage of the costs of veterinarian visits for accidents and illnesses. Some plans also offer preventative care programs.

Does preventive care coverage cost extra?

Preventative care coverage, also known as wellness packages, do cost extra for most pet insurance plans.

Is pet insurance worth it for your pet?

Getting pet insurance is a personal decision and deciding whether or not it is worth it depends on the risks your pet has. Pet owners who have pet insurance are often happy that they have the coverage as long as claims don’t get denied. If your pet has pre-existing conditions or if you have a plan with a lot of exclusions, it may not be worth it to get pet insurance.

How are claim reimbursements received?

With Pumpkin Pet Insurance, claims are handled in one of two ways. You can get a reimbursement within weeks of submitting a claim as long as you have the applicable receipts associated with the vet care. You can also authorize Pumpkin Pet Insurance to pay the vet directly so that you are not out-of-pocket for the majority of the expenses.

If I cancel my plan, can I get a refund?

Pumpkin Pet Insurance has a 30-day money back guarantee. It will also refund you at any time if you cancel your policy; the refund is for the premium already paid for any period after your last coverage date.

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