Pumpkin Pet Insurance Review 2025

Pumpkin Pet Insurance offers 90% reimbursement on all pet insurance plans. It has accident and illness and wellness options, but monthly premiums may be on the higher end. Business Insider's personal finance team compared Pumpkin to the best pet insurance and found it to be an industry leader thanks to its comprehensive coverage.

Pros and Cons

Pumpkin Pet Insurance Pros

• Unlimited annual coverage available after deductible available for dogs and cats
• Vet exam fee coverage for illnesses and accidents
• Multi-pet discounts available

Pumpkin Pet Insurance Cons

• 14 day waiting period for accidents
• No 24-7 pet healthline
• Rates may be higher than some competitors

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Pumpkin Pet Insurance Overview

Pumpkin is one of the leaders in the pet insurance industry despite its relatively recent founding in 2019. Pumpkin policies are underwritten by either Independence American Insurance Company or United States Fire Insurance Company, both of which are very established pet insurance underwriters with Excellent financial stability ratings from AM Best.

Pumpkin provides a wide array of benefits, an option for unlimited coverage, and a wellness package add-on. It has generous terms when it comes to pre-existing conditions and no upper age limits. However, Pumpkin isn't a very flexible provider. It doesn't have accident-only plans and reimbursements are locked at 90%. People who only want light coverage should look elsewhere for their insurance.

Pumpkin is also far from the cheapest pet insurance, partially a side effect of its rigidity. While you can opt for higher deductibles and lower annual limits, Pumpkin's 90% reimbursement results in higher premiums. Additionally, Pumpkin raises premiums on a yearly basis according to your pet's age. That said, you can get a 10% discount if you enroll multiple pets.

Pumpkin Pet Insurance Plans

Pumpkin pet insurance offers an extensive list of covered conditions for pet owners. It offers the standard coverages like accidents, injuries, illnesses, and chronic conditions. However, it also provides coverage for dental illnesses, behavioral issues, and hereditary/congenital conditions. Pet owners can also get reimbursed for treatments like prescription medication and surgery. It also provides coverage for end-of-life services and prescription foods for covered conditions, which isn't common among pet insurance providers.

Pumpkin pet insurance policyholders enjoy a flat 90% reimbursement rate on eligible vet claims. Owners can choose between four annual deductibles: $100, $250, $500, or $1,000. Pet parents also have three options for annual payout limits: $10,000, $20,000, or unlimited for dogs. Cat lovers can choose between $7,000, $15,000, or unlimited coverage limits.

Buyers can upgrade any Pumpkin policy to include coverage for preventive essentials such as wellness visits to their preferred veterinarian. However, neither the wellness nor insurance plans cover spaying and neutering.

Pumpkin policies are available to pets older than eight weeks old with no upper age limit. As with any pet insurance provider, Pumpkin does not insure your pet's pre-existing conditions. However, if your pet has a curable pre-existing condition, it is eligible for coverage after it's been cured and is symptom-free for 180 days.

Additional Coverage Options

Pet parents can add Pumpkin pet insurance's preventive essentials package to its insurance policies. This isn't technically a pet insurance plan, but an optional benefit added onto your insurance plan. 

It offers the following coverage for dogs:

• 1 annual wellness exam 
• 2 vaccines for disease prevention
• 1 fecal test for intestinal worms
• 1 blood test for heartworm & tick diseases

Its offerings for cats are slightly different:

• 1 annual wellness exam 
• 1 vaccines for disease prevention
• 1 fecal test for intestinal worms

Pumpkin Pet Insurance Cost

To get a better idea of how much Pumpkin costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.

We acquired the following quotes for Pumpkin's Peace of Mind plan, which has a $10,000 annual limit and $500 annual deductible.

In our quotes, Pumpkin's optional Preventive Essentials plan was $20.95. Prices did not change regardless of the dog's information. 

Let's go over premiums for a New York City cat covered under Pumpkin's Peace of Mind plan.

In our quotes, Pumpkin's Preventive Essentials add-on was $13.95 monthly. Prices did not change regardless of the cat's information.

Pet owners can get a 10% discount when they enroll multiple pets with Pumpkin. 

It's also worth noting that pet insurance companies will adjust your premiums annually, accounting for inflation and local pet care costs. Pumpkin reserves the right to also factor your pet's age into its annual adjustments. While this isn't an uncommon practice, not all companies adjust rates using your pet's age.

How to Purchase and Manage a Pumpkin Pet Insurance Policy

You can purchase a Pumpkin pet insurance plan on its website. You'll need to provide the following information about yourself and your pet:

• Pet's name
• Breed
• Age
• Gender
• If you have a primary vet
• Your ZIP Code

You'll also be asked questions about what you're looking to get out of your pet insurance policy. Your answers won't affect the amount you're quoted. 

Once you obtain your quotes, you can adjust your coverage to your needs. You'll also have the option to buy Pumpkin's wellness package.

How to File a Claim With Pumpkin Pet Insurance

Pumpkin pet insurance only accepts claim submissions online or via email at claims@pumpkin.care. The company does not provide a mailing address, phone app, or fax number for claims. However, reviews indicate Pumpkin customer service agents are friendly and ready to help with anything you need.

Pumpkin policyholders can then manage claims online via its online portal. You'll need to enter your claim details in the designated fields, then upload a digital copy or photo of your itemized vet receipt and any relevant medical records. Claims must be filed within 270 days from the date of service.

Once submitted, you can track your claim processing status within the member portal. Customers report that submission is easy, and Pumpkin consistently pays out eligible reimbursements promptly.

You can contact Pumpkin's customer service team via the following methods:

Phone: 1-866-ARF-MEOW (1-866-273-6369)

Monday to Friday from 8 a.m. to 8 p.m. EST

Email: help@pumpkin.care

Pumpkin promises to respond to customers within one business day.

Chat: Pumpkin also offers online chat services during standard business hours for quick, non-urgent responses. Scroll to the bottom of any Pumpkin page, and look toward the bottom right under the "Need some help?" section to speak with a customer service agent between 9 a.m. and 5 p.m. EST, Monday through Friday.

Pumpkin Customer Service and Claims Experience

Pumpkin is very positively reviewed by customers, receiving 4.7 stars out of five on Trustpilot. Customers spoke highly of the claims process, particularly the speed of reimbursement. However, some customers had issues with health issues being classified as pre-existing and large increases to their premiums.

Pumpkin will respond to negative reviews on Trustpilot very consistently. However, response times vary. Some reviews get same-day responses while others get responses after two or three weeks.

Pumpkin Pet Insurance Alternatives

See how Pumpkin compares to two other options for pet insurance coverage: Healthy Paws and Lemonade.

Pumpkin vs. Healthy Paws Pet Insurance

Healthy Paws Pet Insurance is similar to Pumpkin, offering one comprehensive plan. This one plan has unlimited coverage, making it a strong contender for severe accidents or illnesses. Healthy Paws offers a choice between 70% or 80% reimbursement rates and an annual deductible of $250 or $500. Ultimately, Pumpkin has more flexibility than Healthy Paws, but not by much.

Pumpkin also outshines Healthy Paws in coverage, offering features that Healthy Paws lacks, like exam fee coverage, prescription food coverage, and an optional wellness package. Additionally, Pumpkin's terms on pre-existing conditions are more forgiving than Healthy Paws. 

While Healthy Paws offers less, it is the cheaper product. While Pumpkin offers more coverage, you may find the price difference isn't worth the extra cost. However, that ultimately comes down to your priorities and your budget for pet care.

Read our Healthy Paws pet insurance review.

Pumpkin vs. Lemonade Pet Insurance

Lemonade Pet Insurance and Pumpkin have a lot of similarities when it comes to policy options. Both companies offer annual deductible options as low as $100 per year, and few pet owners will require more than Lemonade's top-tier yearly payout limit of $100,000. For pet parents who want extra peace of mind, Pumpkin offers unlimited coverage.

Lemonade stands out for its flexibility. Lemonade has reimbursement options of 70%, 80%, or 90%, while Pumpkin locks customers in at 90%. Additionally, many of its coverages are add-ons, such as dental illness and behavioral condition coverage. This can be annoying if you just want full coverage, but this feature offers a chance to save money if a pet owner doesn't need those conditions covered. 

Ultimately, if you want cheaper, customizable coverage, Lemonade is the better option. However, if you're looking for a total coverage plan, Pumpkin is the better option. 

Read our Lemonade pet insurance review.

Pumpkin vs. ASPCA Pet Insurance

Pumpkin and ASPCA are fairly similar. Both companies offer pet insurance with no age limits, 14-day waiting periods for orthopedic and ligament issues, and coverage for curable pre-existing conditions after 180 days. Additionally, their prices are roughly equivalent.

However, Pumpkin has a few advantages over ASPCA, primarily its more wider array of benefits — like prescription food and end-of-life benefits — and unlimited coverage option. Meanwhile, ASPCA coverage maxes out at $10,000.

Given a choice between Pumpkin and ASPCA, the clear choice is Pumpkin.

Read our ASPCA pet insurance review.

Why You Should Trust Us: How We Reviewed Pumpkin Pet Insurance

For this review, we evaluated Pumpkin pet insurance's depth and breadth of coverage, prices, optional add-ons, and customer reports on policies, customer service, and claim reimbursement. We compared Pumpkin to some of its most popular competitors on these and other bases. You can read more about our how Business Insider rates pet insurance.

Low premiums and sometimes high payouts mean most pet insurance companies are based on a love for pets. As such, it's rare to find a pet insurance company that isn't providing a good service. So we get into the details to separate competitors and see who comes out on top.

Pumpkin Pet Insurance Review FAQs

Katherine Fan

Correspondent, Credit Cards

Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. Katherine has also freelanced for major media publications such as Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN, and Yahoo. ExperienceKatherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. Katherine has been a speaker at TravelCon and a guest on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.ExpertiseKatherine's expertise encompasses:

• Small business finances
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• Travel insurance
• Real estate investing

Katherine's interest in personal finance extends to her own interests. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating from college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. EducationKatherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. 

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Evelyn He

Compliance and Operations Associate

Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.ExperienceAs part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.ExpertiseEvelyn is an expert in the following areas:

• Compliance
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EducationEvelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.Evelyn has two dogs, Money and Tibber.

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