Pumpkin Pet Insurance review

Pumpkin is the runner-up because it removes many of the add-ons other insurers charge for. In-office and virtual vet exam fees for accident and illness visits are covered, as are dental illness, behavioral issues and alternative therapies, with no extra monthly fee. Every pet from 8 weeks old, seniors included, can choose an 80% or 90% reimbursement rate and an annual limit from $5k to unlimited, and Pumpkin says it has no upper age limits or breed restrictions. Its single waiting period of 14 days or less applies to all conditions, including knee injuries and hip dysplasia, where several rivals impose longer orthopedic waits. For expensive emergencies, PumpkinNow can fast-track eligible claims over $500 and pay up to 90% in minutes. The drawbacks: Pumpkin does not offer a 70% rate for owners who want a cheaper premium, and its former Preventive Essentials add-on stopped selling on August 18, 2026, replaced by a separate Wellness Club membership.

Who it is for

owners who want exam fees covered by default

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• 80% or 90% reimbursement for all pets 8 weeks and older, seniors included
• Annual limit options from $5k to unlimited for dogs and cats
• In-office and virtual vet exam fees for accidents and illnesses included
• 14-day waiting period or less for all conditions, including knee injuries and hip dysplasia
• PumpkinNow can pay up to 90% of eligible claims over $500 in minutes, before you pay the vet

Strengths and weaknesses

• Strength: No upper age limits or breed restrictions
• Strength: No extra fees for dental illness, behavioral or exam fee coverage
• Strength: Curable pre-existing conditions such as a UTI may be covered once cured
• Weakness: No 70% reimbursement option to lower the premium
• Weakness: Preventive Essentials was withdrawn on August 18, 2026; routine care moved to the Pumpkin Wellness Club
• Weakness: Prices are only shown after a quote

Key facts

• Reimbursement: 80% or 90%
• Annual limit: $5k to unlimited
• Waiting period: 14 days or less for all conditions
• Minimum age: 8 weeks

Where it ranks

Pumpkin Pet Insurance is No. 3 in our Best Pet Insurance verdict.