Pumpkin Pet Insurance Review: A New Pet Insurance Option

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Dog with pumpkins (caption: Pumpkin Pet Insurance Review)

Pumpkin is a newcomer, entering the pet insurance world in 2020. Their wellness program brings something unique to the industry and they are the first pet insurance company to incorporate under a global pharmaceutical giant. At first glance, Pumpkin appears to offer a solid and innovative product to protect pet owners, but let’s dig in to learn more.

Visit Pumpkin’s Website

Pumpkin Overall Rating


Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Two dogs in grass (caption: Pet Insurance Reviews)Alternatives To Pumpkin

We don’t include Pumpkin or any company with less than five years of experience in our annual pet insurance rankings because it takes time for providers to establish a consistent customer experience. To find the best, our experts regularly analyze over a dozen established companies. Learn more about this year’s top-ranked companies.

Key Features

  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
  • A.M. Best rating: A
  • No exam required prior to enrollment
  • Submit claims online within 270 days of service and track their status via your account
  • Reimbursement options: Policyholders can opt for direct deposit or check in the mail, and an eCheck option (digital check sent via email) for Preventative Essentials claims
  • You can transfer your pet’s coverage when you transfer pet ownership
  • For an additional cost, Pumpkin offers a Preventive Care plan that includes reimbursement for a wellness exam, a few vaccines and annual screening tests for select health concerns.
  • Formed under Zoetis, the world’s largest global animal health company

Customer Service Hours

  • Email: [email protected]
  • FAQ
  • Live chat: coming soon
  • Phone: 866‑273‑6369
    • Monday – Friday from 8am to 8pm EST
  • Text: 559-853-4779

What Does Pumpkin Offer?

Pumpkin offers pet insurance and preventative care. Read more about the pet insurance services included in a Pumpkin plan on their website.

Preventative Care Plan

If you opt to pay extra for preventative care through Pumpkin, here’s what you will be reimbursed for.

  • Annual wellness exam fee
  • Select vaccines each year (2 for dogs, 4 for puppies & 1 for cats)
  • Yearly screening tests (dogs: fecal exam and screening for vector-borne diseases or heartworm; puppies and cats: fecal exam)

Pumpkin’s Preventive Care plan costs $227.40 per year for dogs and puppies; $143.40 for cats.

Pumpkin vs Other Companies

Interested in seeing how Pumpkin stacks up against other popular pet insurance companies? We’ve written comparison articles for you to see how Pumpkin and other leading pet insurance companies compare in coverage, customer service and reputation, claim processing, plan customization, and price.

Is Pumpkin The Best Pet Insurance For My Dog?

Visit Pumpkin’s Website

Since it’s so new to the industry, there’s still a lot of room for this company to experience many changes (we witnessed some even during the eight weeks we were working on this review). We like to give companies five full years of experience before ranking them in our pet insurance reviews. It’s common for pricing to fluctuate, underwriters to change and customer service and claims experiences to vary because it takes time for a company to get its footing.

If you do not feel Pumpkin is right for your pet, we invite you to read up on our top picks for pet insurance.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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