Pumpkin
4.7

out of 5

Pumpkin Pet Insurance for Dog & Cat

Updated: May 06, 2025

Pumpkin Pet Insurance is a good option for pet parents who are looking for affordable pet insurance with a variety of coverage options. It is underwritten by Independence American Insurance Company. Coverage is available to U.S. and Canadian residents.

Pumpkin Pet Insurance Details

    • More: Pumpkin Pet Insurance Reviews

      Why Our Users Picked It:

      Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.

      Pros & Cons:

      • Exceptional and caring customer service
      • Reliable and hassle-free coverage
      • Comprehensive coverage options
      • Covers vet exam fees
      • Up to 90% reimbursement rates
      • No accident-only plan available
      • 14-day accident waiting period (some providers only require 1 - 2 days for this coverage)

      Plan Limits

      • Per Condition Limit None
      • Lifetime Limit None
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Included
      • Hospitalization Included
      • Rehabilitation Included
      • Continual Care Included
      • Emergency Visits Included
      • Surgery Included
      • Dental Trauma Included
      • Foreign Object Ingestion Included
      • Congenital or Hereditary Conditions Included
      • Cancer Treatments Included
      • Dietary Supplements Included
      • End of Life: Burial and Cremation Included
      • Illness Included
      • Specialists Included
      • Prosthetics Included
      • End of Life: Euthanasia Included
      • Prescription Drugs Included
      • Outpatient Care Included
      • Bilateral Conditions Covered up to the annual limit
      • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
      • Vet Exam Fees Sick exam fees covered, plus one annual wellness exam with optional preventive care plan
      • Medical Imaging Included
      • Organ Transplants Included
      • Wellness Cover Covered by optional preventive care plan
      • Lab Tests Included
      • Behavioral Treatments Included

      Plan Summary

      Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. About Pumpkin: 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 receives compensation based on the premiums for the insurance policies it sells. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. 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. More information available at checkout.

    Most popular dog breeds insured by Pumpkin Pet Insurance

    Here are the top 9 dog breeds covered by Pumpkin insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $124.31
    Goldendoodle $93.52
    French Bulldog $235.17
    Malti-Poo $65.16
    Yorkshire Terrier $65.05
    Rottweiler $361.93
    Pomeranian $74.55
    Lhasa Apso $68.87
    Golden Retriever $128.68
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Pumpkin Pet Insurance

    Here are the top 7 cat breeds covered by Pumpkin insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $45.61
    Domestic Short Hair $38.71
    Maine Coon $59.16
    Highland Lynx $39.27
    Russian Blue $42.54
    Bengal $62.19
    American Shorthair $42.84
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2025

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      Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
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    • Fetch Pet Insurance »
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    • ManyPets Pet Insurance »
      Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.
    • ASPCA Pet Insurance »
      Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.
    • Hartville Pet Insurance »
      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • AKC Pet Insurance »
      Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • PetPartners Pet Insurance »
      Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • MetLife Pet Insurance »
      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Pets Best Pet Insurance »
      Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Figo Pet Insurance »
      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

    Pumpkin Pet Insurance FAQ?

    • Do all vets accept Pumpkin pet insurance?

      Unlike people insurance, which limits your care to providers within your network, pet insurance, including Pumpkin pet insurance, can be used at any licensed vet’s office, specialist or emergency clinic within the U.S. and Canada.

    • Does Pumpkin pet insurance cover spaying or neutering?

      Pumpkin pet insurance offers extensive coverage for accidents and illnesses. They don’t, however, cover spaying and neutering as those are considered elective procedures.

    • Does Pumpkin pet insurance cover dental?

      Yes, Pumpkin covers dental illnesses, including periodontal disease (AKA gum disease). They also cover X-rays, treatment, surgery, and prescription medications used for diagnostics and treatment. Pumpkin pet insurance also covers tooth extractions for dental injuries. The company does not cover annual teeth cleaning.

    • Does Pumpkin pet insurance offer a discount for enrolling multiple pets?

      Yes they do. Pumpkin offers a 10% Fur Family Discount, which means you get 10% off a plan for each additional pet you enroll through Pumpkin pet insurance.

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