Pumpkin Pet Insurance Review & Prices

Pumpkin Pet Insurance

Overall Rating 4.2 / 5

star reviews 4.5
  • Affordable premiums
    • For dogs – from $30
    • For cats – from $30
  • Customizable plans
    • Deductibles: $100 to $1,000
    • Reimbursement rates: Fixed at 90%
    • Annual coverage limits: $7,000 to unlimited for cats; $10,000 to $20,000 or unlimited for dogs
  • Comprehensive сoverage
    • Accident and illness plans
    • No accident-only plan
    • Optional preventive essentials add-on for routine care

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About Pumpkin Pet Insurance 🌟

Pumpkin Pet Insurance is a prominent choice for pet owners seeking comprehensive and reliable coverage for their beloved animals. Known for its broad coverage spectrum and attention to various pet needs, Pumpkin distinguishes itself with its inclusive policies.

Key Highlights
Pumpkin offers an extensive accident and illness plan that covers many pet health concerns, including dental illnesses, behavioral issues, hereditary conditions, and certain pre-existing conditions. The plan’s inclusivity suits a diverse range of pet health scenarios.

Why Choose Pumpkin?
Pumpkin’s commitment to comprehensive care is evident in its policy offerings. The standard plan is notable for its inclusion of treatments often considered additional by others, such as alternative therapies and prescription food supplements. This approach positions Pumpkin as a holistic pet care partner.

Customization and Convenience
With customizable deductibles and a uniform 90% reimbursement rate, Pumpkin caters to different budget needs while maintaining a high level of care. Additionally, the absence of upper age limits for coverage makes it a versatile option for pets of all life stages.

Emphasis on Preventive Care
Pumpkin also emphasizes preventive health with its Preventive Essentials add-on. This package supports routine care, ensuring pets maintain their health through regular check-ups and essential treatments, reflecting Pumpkin’s proactive stance on pet wellness.

Pumpkin Pet Insurance Plans and Coverage🛡️

Explore Pumpkin Pet Insurance’s robust and all-encompassing plans, tailored to meet your dogs’ and cats’ unique health needs.

Accident and Illness Plans
Pumpkin’s Accident and Illness plan is designed to offer extensive coverage. This includes care for various conditions, from accidents to chronic illnesses, encompassing everything from diagnostic tests and surgeries to hereditary and chronic conditions treatments. The plan is notable for its inclusivity and comprehensive care.

Preventive Essentials Add-On:
In addition to its main plan, Pumpkin offers a Preventive Essentials package. This optional add-on extends coverage to routine care such as wellness exams, vaccinations, and blood work, encouraging proactive health management for your pets.

Flexible Coverage Options
Pumpkin provides flexibility in its plan with customizable deductibles and a uniform 90% reimbursement rate. This approach allows pet owners to tailor the plan to their financial comfort while ensuring substantial pet coverage.

Waiting Periods and Coverage Exclusions
Pumpkin enforces a 14-day waiting period for accidents and illnesses, ensuring coverage commences only after this period. While covering a wide array of health issues, Pumpkin does not cover pre-existing conditions that existed before the start of the policy or during the waiting period.

Pumpkin Pet Insurance Cost 💵

The cost of Pumpkin Pet Insurance is influenced by several factors including your pet’s breed, age, and the chosen coverage options. Here is a breakdown of the average monthly premiums:
Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $109
Cat Accident & Illness $61

Additional Costs and Fees:

  • One-time Enrollment Fee: None
  • Monthly Payment Processing Fee: None

Customization Options:
Adjust the following variables to tailor your plan:

  • Annual Deductible: Options include $100, $250, $500, $1,000.
  • Reimbursement Rate: Fixed at 90% for all plans.
  • Annual Coverage Limit: Choose from $7,000, $15,000, or Unlimited for cats; and $10,000, $20,000, or Unlimited for dogs.

Factors Influencing Cost:

  1. Breed and Age: Specific breeds and older pets may attract higher premiums.
  2. Location: Geographical location impacts veterinary costs, thus influencing insurance premiums.
  3. Coverage Level: Higher coverage limits typically result in higher premiums.

Discounts and Savings:

  • Multi-Pet Discount: A 10% discount is available for each additional pet insured with Pumpkin.

Frequently Asked Questions❓🙋

What is Pumpkin pet insurance?

Pumpkin offers comprehensive pet insurance policies for cats and dogs, covering a range of medical expenses, including accidents, illnesses, and certain preventive care options.

Does Pumpkin cover pre-existing conditions?

Pumpkin does not cover pre-existing conditions that show symptoms before or during the waiting period. However, they may cover curable conditions after 180 days of symptom-free status, excluding knee and ligament issues.

What are Pumpkin's waiting periods for coverage?

Pumpkin has a 14-day waiting period for accidents and illnesses, which is standard across most conditions, including hip dysplasia and knee injuries.

Can I use Pumpkin insurance with any vet?

Yes, Pumpkin pet insurance can be used with any licensed veterinarian, specialist, emergency clinic, or hospital in the U.S. or Canada.

Are there age limits for pets to be insured by Pumpkin?

Pumpkin insures pets that are at least 8 weeks old, with no upper age limits.

Does Pumpkin offer wellness plans?

Yes, Pumpkin offers an optional wellness package called Preventive Essentials, which covers routine care such as vaccinations and annual wellness exams.

What does Pumpkin's pet insurance cover?

Pumpkin covers a wide range of expenses, including accidents, illnesses, surgical procedures, prescription medications, dental illnesses, and more.

Are there any discounts available with Pumpkin pet insurance?

Pumpkin offers a 10% multi-pet discount for each additional pet you insure.

Can I customize my Pumpkin pet insurance plan?

Yes, you can customize your Pumpkin plan by choosing your deductible and annual limit. However, the reimbursement rate is fixed at 90%.

What is not covered by Pumpkin pet insurance?

Pumpkin does not cover breeding costs, spaying and neutering, cosmetic procedures, most pre-existing conditions, and elective procedures.

How does Pumpkin handle emergency situations?

In emergency situations, you can visit any licensed vet, and Pumpkin will reimburse covered expenses after your claim is processed.

How can I get a quote from Pumpkin?

You can get a quote from Pumpkin by visiting their website by our quote link and providing details about your pet, including age, breed, and location.

Pumpkin Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Pumpkin. Read testimonials to explore their experiences with this trusted pet insurance. From Forbes, MarketWatch, Nerdwallet, and so on.


Pumpkin pet insurance has a good selection of coverage options for a wide range of pet problems and medical expenses, including vet exam fees and dental illnesses. There is no extended waiting period for problems such as cruciate ligament issues or  dysplasia.

four star review


Pumpkin pet insurance offers accident and illness coverage for dogs and cats, plus an optional preventive wellness package add-on. It isn’t the cheapest pet insurance company, but Pumpkin stands out for its expansive coverage.

USA Today
four star review


Pumpkin earned 4 stars out of 5 for overall performance. Pumpkin Pet Insurance offers comprehensive insurance policies and preventive care plans for cats and dogs. There’s no maximum age limit for pets to apply, and all breeds are welcome.

four star review


We rated Pumpkin a 4.0 out of 5 stars due to its coverage options. Pumpkin’s basic and preventive coverages are on par with or above industry standards and may be especially appealing if you have a young pet. 

four star review

Pawlicy Advisor

Pumpkin is a pet insurance agency and healthcare company launched by Zoetis, one of the largest animal organizations in the world. Pumpkin Pet Insurance policies are underwritten by the United States Fire Insurance Company, a subsidiary of Crum & Forester.

Pawlicy Advisor
star reviews 4.5


Pumpkin Pet Insurance offers a comprehensive accident and injury plan underwritten by the United States Fire Insurance Company. It offers one coverage option, but you can customize the deductible and annual limit to a price point that meets your budget.

US News
four star review


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