Pumpkin Review

Pumpkin is the new kid on the block for pet insurance plans. It was launched in April 2020 by Zoetis, the world’s largest global animal health company, to provide dog and cat owners in the States with preventative care and insurance plans to keep their furry buddies healthy.

Pumpkin pet insurance website
Cats & Dogs Best for
4 /5
$ 22 /mo
Starting Price
Table of Contents

    What Does Pumpkin Pet Insurance Cover? 

    A wide range of veterinary options and services is included too. You’ll be able to use any registered vet in the US and Canada as part of your plan 

    Separate from the accidents and illness insurance plan, Pumpkin Pet offers an exclusive Preventative Essentials Pack.

    This has been designed to help pet owners fully cover routine preventive care all cats and dogs need to stay healthy, including an annual wellness exam, vaccines, and select lab tests to detect diseases.

    You can view some of what Pumpkin covers in the screenshot below from their site:


    • No add-on fees for insurance coverage
    • 10% multi-pet discount
    • No extended waiting periods


    • Only covers cats and dogs

    Pumpkin Pet Insurance Reimbursement and Deductibles

    You can choose between different higher annual deductibles to adjust and reduce the amount you’ll need to pay for your premium. Pumpkin only offers a high reimbursement rate, so you know you’ll always receive a high reimbursement for eligible vet bills.

    You can choose between 70%, 80%, and 90% reimbursement.

    Pumpkin Pet Insurance Waiting Period

    Pumpkin has one simple waiting period for all accidents and illnesses. Pick the coverage that works for your pet and you’ll need to wait 14 days for it to be activated. That said, there’s no mention of how long you’ll be waiting for your plan to come into effect, although the industry average is 14 working days.

    Claims can be submitted online using the Pumpkin website, and you can be reimbursed by direct deposit or a check. Plus, if your vet doesn’t require that you pay in full upfront, you can have Pumpkin pay them directly.doesn but unfortunately, no details are provided on waiting periods for reimbursement.

    Customer Service and Satisfaction 

    As a new pet insurance provider, Pumpkin doesn’t offers great 24/7 customer support, and you can contact a member of the customer care team by phone M-F 8am-8pm ET or by email and someone will get back to you within one working day.

    Our Rating – How Pawsome is Pumpkin Pet Insurance?

    Pumpkin is upfront about what’s on offer and doesn’t require you to shell out extra for more insurance coverage.protection against urinary infections or hip dysplasia.

    Plans can be easily customized depending on the level of protection you want but if you’re looking for protection for a pet that isn’t a dog or cat, you might want to try PetPremium instead.

    If you’re looking for a provider that pays out claims fast, Healthy Paws reimburses all claims within two working days.

    And if you’re a fan of no waiting periods, check out PetAssure’s plans, all of which have no exclusions for pre-existing conditions.

    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 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/insurancepolicy. 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/customeragreement. Pumpkin Insurance Services, Inc. is responsible for this advertisement.