Pumpkin Insurance Review (2025)

Pumpkin Pet Insurance is a relatively new player in the pet insurance market, having launched in 2020. However, despite its short time in the industry, it has quickly gained attention for its robust coverage and focus on pet well-being. Backed by Zoetis, a global leader in veterinary care, Pumpkin’s mission is to simplify pet health and wellness by offering pet owners peace of mind when it comes to managing veterinary bills.

What sets Pumpkin apart from other pet insurance companies is its emphasis on preventive care and customer education. Not only does it address unexpected health expenses like accidents, illnesses, and emergency visits, but it also encourages proactive care through its Preventive Essentials add-on. By including preventive care in its plans, Pumpkin aims to help pet owners keep their pets healthier for longer, all while making the process of getting insurance coverage easy and straightforward.

Focus on Transparency and Ease of Use

Another key differentiator of Pumpkin is its user-friendly approach to the claims process and customer support. Unlike many traditional pet insurance companies that can be overwhelming with hidden fees, confusing paperwork, and long response times, Pumpkin keeps things simple. Its claims process is fast and transparent, with reimbursements typically processed within 14 days. Plus, Pumpkin’s customer support team is well-rated for being knowledgeable, friendly, and responsive.

What Does Pumpkin Pet Insurance Cover?

Pumpkin Pet Insurance offers broad coverage for both dogs and cats, making it one of the more inclusive options on the market. Whether you’re dealing with an unexpected illness, accident, or chronic condition, Pumpkin ensures that your pet is covered when it matters most. Here’s a breakdown of what’s covered under their plans:

Covered under Pumpkin Pet Insurance:

• Accidents and Illnesses: Covers unforeseen issues like broken bones, sprains, infections, gastrointestinal problems, and other illnesses that arise unexpectedly.
• Hereditary and Congenital Conditions: Includes coverage for conditions like hip dysplasia, heart disease, and other genetic issues that are breed-specific. This is an important consideration for owners of pets with hereditary risks.
• Chronic Conditions: Provides ongoing coverage for chronic illnesses such as arthritis, diabetes, and other long-term conditions that require consistent care.
• Cancer Treatment: Comprehensive cancer care, including diagnostics, chemotherapy, radiation therapy, and follow-up care, ensuring that your pet gets the best treatment available.
• Emergency Care: Covers emergency room visits, urgent care services, and any treatments that may be necessary after an accident or illness.
• Diagnostic Testing: Includes testing like X-rays, MRIs, blood tests, and other diagnostics that help veterinarians determine the best course of action for your pet’s health.
• Medications: Covers prescribed medications tied to eligible conditions, ensuring your pet receives the treatment they need without breaking your budget.

What’s Not Covered?

As with any insurance provider, Pumpkin does have exclusions, and understanding what is and isn’t covered is crucial to ensuring you select the right plan for your pet’s needs. The following are not covered under Pumpkin’s policies:

• Pre-existing conditions: Health issues identified before coverage starts are not eligible for reimbursement.
• Elective or cosmetic procedures: Procedures like tail docking, ear cropping, or other cosmetic treatments are not covered.
• Breeding-related conditions or procedures: Pumpkin does not cover health issues related to breeding, such as complications from pregnancy or birth.

It’s essential to read the full terms and conditions before signing up for a policy to ensure you understand the exclusions. However, compared to many other pet insurers, Pumpkin offers broad and comprehensive coverage that ensures your pet is protected from a wide variety of health issues.

Plans and Pricing

Pumpkin offers two primary plans tailored to different pet needs and budgets:

1. Core Plan

The Core Plan is Pumpkin’s foundational offering, and it includes coverage for accidents, illnesses, diagnostics, medications, and emergency care. It’s a solid option for most pet owners who want the peace of mind of knowing their pet will be covered in case of unexpected health issues.

• Price Range: Typically starts at $30/month for cats and $40/month for dogs. Premiums vary based on factors such as your pet’s age, breed, and where you live. Rates tend to increase for older pets or breeds that are more prone to genetic conditions.
• Reimbursement Options: You can choose a reimbursement rate between 70%-90%, giving you flexibility in managing out-of-pocket costs. Higher reimbursement rates come with slightly higher premiums, but they provide more financial protection.

2. Preventive Care Plan Add-On

While the Core Plan covers emergencies and illnesses, Pumpkin offers the option to add on a Preventive Care Plan for an additional monthly fee. This add-on is a game-changer for pet owners who want to proactively care for their pets by ensuring they receive routine wellness treatments.

The Preventive Care Plan is designed to help you stay on top of your pet’s health and save money on preventive care costs. Here’s what it covers:

• Annual wellness exams
• Core vaccinations (like rabies, distemper, and parvovirus)
• Flea, tick, and heartworm prevention treatments
• Dental cleaning and teeth care

Adding this plan to your coverage will save you money over time while ensuring your pet receives regular, routine care to mitigate long-term health risks.

Why Add Preventive Care Add-Ons?

Pumpkin’s Preventive Care Plan isn’t just an afterthought—it’s an essential part of a comprehensive approach to your pet’s health. Preventive care plays a crucial role in identifying health issues early, improving your pet’s quality of life, and potentially reducing the costs of more serious treatments down the line. Here’s why it’s worth considering:

• Proactive Health Management: Regular check-ups, vaccinations, and parasite prevention are essential to keep your pet healthy.
• Cost Savings: By adding the Preventive Care Plan, you avoid paying out-of-pocket for routine care, which could otherwise add up significantly over time.
• Convenience: Pumpkin’s streamlined process makes it easy to manage both emergency care and preventive treatments with one simple plan.

Claims Process and Reimbursements

The biggest frustration with many pet insurance providers is the claims process—long wait times, complicated forms, and unclear reimbursement procedures. Fortunately, Pumpkin makes the process as smooth as possible:

1. Visit the vet: Take your pet to any licensed veterinarian in the U.S. Pumpkin doesn’t restrict you to a network, so you have the freedom to choose the vet that works best for you and your pet.
2. Submit a claim: After the visit, simply upload the invoice through Pumpkin’s user-friendly website or mobile app.
3. Get reimbursed: Claims are typically processed within 14 days, and you will receive a percentage of eligible costs covered by Pumpkin based on your selected reimbursement rate.

This simplicity and transparency make Pumpkin a great option for pet owners who want a hassle-free claims process.

Flexible Reimbursement

Reimbursement options range from 70% to 90%, depending on the plan you choose. This flexibility is particularly beneficial for those who want to adjust their monthly premiums based on their budget while ensuring they have enough coverage for unexpected expenses.

Customer Support and Resources

Pumpkin goes above and beyond to support its customers. Here’s what you can expect:

• Live Chat, Email & Phone Support: Their customer service team is highly rated for being knowledgeable, responsive, and friendly. Whether you have questions about your policy, need help with a claim, or want general advice, the team is available to assist.
• Online Resources: Pumpkin offers detailed FAQs, blog articles, and educational resources about pet health and insurance. This can be especially helpful for first-time pet insurance buyers who are unfamiliar with the process.

With customer satisfaction a key focus, Pumpkin ensures that all pet owners feel supported and informed throughout their journey with the company.

Is Pumpkin Pet Insurance Right for You?

Pumpkin Pet Insurance is an excellent choice for pet owners who value comprehensive coverage, preventive care options, and top-notch customer support. Here’s a quick recap of its key benefits:

• Extensive coverage for accidents, illnesses, chronic conditions, and more.
• The option to add a Preventive Care Plan to lower the cost of regular check-ups, vaccines, and parasite prevention.
• A user-friendly claims process with fast reimbursements.
• A transparent, customer-focused approach backed by experts in veterinary care.

If you want peace of mind knowing your furry companion is covered for the unexpected—and the routine care that keeps them healthy—Pumpkin Pet Insurance is a solid option. Protect your pet’s health today and ensure they receive the best possible care when they need it most.