Pumpkin Pet Insurance Review

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see how Pumpkin Pet Insurance compares

1 Minute Review

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

Best For

  • Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
  • Families with multiple pets who can benefit from their discount for each additional pet’s policy


  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures


  • Plans only cover cats and dogs — no other pet types
see how Pumpkin Pet Insurance compares

We think of pets as our family, so why not get them the best pet insurance coverage? Here’s what you need to know about a newcomer to the pet insurance game — Pumpkin Pet Insurance.

Pumpkin Coverage Options

Pumpkin’s policies cover a wide range of situations that can result in costly vet bills. When looking at any insurance policy, it’s important to understand exactly what is covered before purchasing. 

From the Pumpkin.com website for dogs:

dog insurance coverage options
Source: Pumpkin
dog insurance
Source: Pumpkin
cat insurance
Source: Pumpkin

And for cats:

Source: Pumpkin

Your best bet is to get a sample quote, where you can find exclusions clearly laid out in bullets. 

Here’s a great example from their online quoting tool with a $10,000 annual limit for dogs, $7,000 annual limit for cats, $250 deductible and 90% reimbursement accident and illness plan in the ZIP code 48228:

PetAgePayment per month
Golden retriever puppy8 weeks to 6 months$60.85
German Shepherd puppy8 weeks to 6 months$51.49
Golden retriever6 years $86.93
German Shepherd6 years$73.55
Bengal kitten8 weeks to 6 months$15.95
Bengal cat6 years$21.27
Maine coon3 years19.50

Pumpkin Pet Insurance Claims

Pet insurance claims handle differently than human health insurance. Most veterinarians require you to pay for your pet’s costs at the time of service, even if you have pet insurance. You then need to submit a claim to your pet insurance company if you believe that some or all of the costs of your vet visit should be covered. In some cases, your veterinarian may be able to submit a claim on your behalf and Pumpkin can pay your vet directly.

Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. If it is, you’ll receive reimbursement for the covered costs on your claim after you have met your annual deductible. 

Pumpkin Pet Insurance Customer Service

Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW (1-866-273-6369), Monday to Friday from 8 a.m. to 8 p.m. EST.
  • Emailing help@pumpkin.care
  • Text: 1-559-853-4779

Pumpkin’s website also claims that it will offer a chat feature soon.

Pumpkin Pet Insurance Overall Rating

Pumpkin offers robust pet insurance plans for dogs and cats of all ages and sizes. If you’re considering Pumpkin as your pet insurance provider, keep in mind the annual coverage limits and reimbursement limits in its policies. Even though it has some limitations, Pumpkin is a good option for most pet families.

PRESCRIPTION FOOD COVERAGE TERMS: Pumpkin insurance covers prescription food to treat an eligible accident or illness. It does not cover prescription food used for weight management or general health maintenance.

Pumpkin Advertiser Disclosure: Pumpkin Insurance Services, Inc. is responsible for this advertisement. 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 pumpkin.care/insurance policy. Products, discounts, and rates may vary and are subject to change. 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 Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customer agreement.