Pumpkin Pet Insurance 2025: In-Depth Review, Costs & Ratings

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market each year to provide you with reliable and unbiased analysis. With this thorough approach, hundreds of thousands of Americans trust us every month to help them make their most important financial decisions.

Pumpkin Guarantees

Pumpkin offers a single, highly comprehensive accident and illness plan for both cats and dogs, distinguished by up to 90% reimbursement of eligible veterinary expenses, customizable annual limits (from $5,000 to unlimited), and a straightforward annual deductible.
All pets 8 weeks and older are eligible with no upper age or breed restrictions, setting Pumpkin apart in accessibility and flexible coverage, while the plan includes hereditary, dental, and behavioral conditions as standard—areas often excluded or sold as add-ons by competitors.
Routine wellness care is available as an optional upgrade (“Preventive Essentials”); however, there’s no primary plan coverage for preventive or elective procedures unless this is selected.
A standardized 14-day waiting period applies to both accidents and illnesses, and there’s no lifetime reimbursement cap once enrolled, but strict definition of pre-existing conditions means chronic or recurring pre-existing illnesses are excluded.
The chief drawbacks are the absence of liability coverage, boarding fees, or loss/theft coverage, and clarity issues reported around what is included in the wellness add-on; overall, Pumpkin stands out for breadth of standard coverage and strong customer satisfaction.

Key Features and Benefits

Annual deductible applies once per year, per pet, regardless of number of claims.

Preventive Essentials add-on reimburses vaccines, annual exams, key routine tests; separate from insurance benefits.

Pre-existing curable conditions may be eligible if symptom-free for 180 days (except ligaments).

Fast reimbursement (sometimes 15 min with urgent payment feature) available on eligible claims.

Start by comparing plans to see which premium and annual limit suits your needs and budget best.

Pumpkin Exclusions

Pumpkin’s exclusions align with key industry standards: all pre-existing conditions are excluded unless demonstrably curable and symptom-free for at least 180 days (with persistent exclusions for knee/ligament issues), and any condition arising during the mandatory 14-day waiting period is not covered.
Notably, the policy does not reimburse costs related to preventive care, wellness exams, or elective/cosmetic procedures unless you choose the separate Preventive Essentials add-on.

Expenses for breeding, pregnancy, whelping, or intentional injuries, as well as experimental treatments or alternative medicine not prescribed by a veterinarian, are systematically excluded.

Unusual among premium policies, Pumpkin does not cover boarding fees, lost pet reimbursement, or civil liability—gaps that may be significant for some pet owners.
Coverage also excludes any consequences of not complying with mandatory vaccination or veterinary care requirements.

Pumpkin Prices

Pumpkin positions itself in the higher segment of the US pet insurance market, with monthly premiums that reflect its comprehensive accident & illness coverage, generous 90% reimbursement, and inclusion of costly treatments such as dental illnesses, hereditary and behavioral issues.
Compared to more budget-focused or limited insurers, Pumpkin’s higher cost is justified by broader eligibility (no age or breed limits), high annual coverage limits (including unlimited options), and a straightforward claims process.

While not the most affordable solution on the market, Pumpkin is widely recognized for reliability and transparency, offering more robust protection than most competitors and support for fast payouts—even before you pay the vet, with their urgent pay service.

The digital-first approach helps streamline processes but does not translate into lower base pricing, as the plan remains expensive but truly comprehensive.
This makes Pumpkin especially appealing for pet owners prioritizing maximum coverage and support, accepting higher premiums for added peace of mind.

Compare plans below to find the best price for your cat or dog.

Pumpkin Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Pumpkin Reimbursement: What to Expect

With Pumpkin’s highest-tier plan, you'll be reimbursed up to 90% of covered veterinary costs after the annual deductible, helping reduce your out-of-pocket expenses for everything from emergencies to routine wellness—here’s what that looks like in practice:

Pumpkin Insurance Claim Example: Intestinal Obstruction

Total vet costs: $3,000 (diagnostics, surgery, hospitalization, medication). Deductible to subtract: $100 (annual, already met for this example).
Eligible amount after deductible: $3,000 – $100 = $2,900.
90% reimbursed: $2,900 × 90% = $2,610.
👉 You receive $2,610 from Pumpkin; your remaining out-of-pocket is $390.
ℹ️ With Pumpkin’s unlimited annual limit, this scenario is fully covered if deductible is met for the year.

Cancer Treatment Reimbursement

Total vet costs: $5,500 (consultation, imaging, chemo, medication)
Deductible to subtract: $0 (already fully met this year)
Eligible amount: $5,500
90% reimbursed: $5,500 × 90% = $4,950
👉 You receive $4,950 from Pumpkin; your out-of-pocket is $550.

ℹ️ No per-incident cap applies. Pumpkin covers continued treatments within the policy year as long as you have not reached your annual maximum (unlimited in the highest-tier plan).

Annual Wellness Visit Reimbursement

Annual wellness visit with vaccinations (Preventive Essentials add-on)
Total vet costs: $250 (exam, core vaccines, parasite test)
No deductible for preventive care
Eligible amount: $250 up to the annual limit for preventive 100% reimbursed (wellness add-on): $250 × 100% = $250
👉 You receive the full $250 reimbursed for routine care.
ℹ️ The Preventive Essentials package allows coverage for wellness, vaccines, and annual exams, reimbursed up to your plan’s annual wellness cap.

Pumpkin Assistance

Pumpkin stands out by offering digital, paperless claims processing and an easy-to-use mobile app, supporting fast reimbursement and convenient account management for pet owners.
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However, Pumpkin does not provide advance payment services at the veterinarian—policyholders must pay the full bill upfront before reimbursement.

While the platform offers clear and accessible online support, it lacks a 24/7 emergency veterinary hotline and does not operate a network of partner clinics.

U.S. and Canada coverage for vet care while traveling is robust, but coverage does not extend to other countries or long-term stays abroad.

Customer Reviews of Pumpkin

We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Pumpkin for their pets often mention:

• A fast and simple claims process, with many users receiving reimbursements within one to two weeks or even faster.
• An efficient and genuinely caring customer service team, with consistent responsiveness and clear communication.
• Comprehensive coverage options and competitive pricing compared to other pet insurance providers.
• A smooth and accessible digital experience for submitting and managing claims.
• Consistent fulfillment of coverage promises, which increases trust in the policy.

On the negative side:

• A recurring confusion about what is included in coverage, particularly regarding wellness plan options and preventive care.
• A strict application of the pre-existing condition clause, leading to denied claims even when owners provide supporting veterinary documentation.
• Rising premium prices reported without added benefit, often surprising longtime policyholders.
• Occasional frustration with claim denials for certain diagnostic tests or ambiguous policy terms.
• Some new customers remain undecided about the value of the service due to lack of claim experience.

How to Contact Pumpkin

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Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.