Updated: December 29, 2025
Advertising & Editorial Disclosure
Pumpkin ranks first in cat insurance affordability and third for dogs, with monthly premiums starting at $20 for cats and $46 for dogs.
Customers rate it highly, placing it third nationally for overall experience, supported by an A+ BBB rating and positive Trustpilot feedback.
For coverage, Pumpkin sits 11th nationwide and offers wide accident and illness protection plus an optional preventive care package.
Pumpkin’s pet insurance scores 4.15 out of 5 for cats and 3.70 for dogs in MoneyGeek’s analysis. It performs especially well on affordability, ranking first nationwide for cat coverage.
The company places 11th for coverage options and has a 14-day waiting period for accidents, which is in line with most competitors.
| Affordability | 4.14 | 3 |
| Coverage | 1.66 | 11 |
| Customer Experience | 4.37 | 3 |
| Overall Score | 3.7 | 7 |
Pumpkin ranks among the best pet insurance options for cat owners looking for affordable premiums. It also offers broad coverage that includes hereditary conditions, alternative therapies, and exam fees at no extra cost.
Still, its accident coverage comes with a waiting period, which may not work for pet owners who need immediate financial protection.
Explore the best pet insurance choices for your pet:
You can get Pumpkin pet insurance anywhere in the U.S. For cats, it ranks second in 16 states and first nationwide for affordability. Its dog coverage lands more in the middle, with fifth place as its highest ranking in six states.
While it’s not the best pet insurance overall, both cats and dogs benefit from Pumpkin’s strong third-place customer experience rating nationwide.
| Alabama | 3.8 | 6 |
| Alaska | 3.7 | 5 |
| Arizona | 3.7 | 8 |
| Arkansas | 3.8 | 6 |
| California | 3.7 | 8 |
| Colorado | 3.7 | 7 |
| Connecticut | 3.7 | 6 |
| Delaware | 3.7 | 5 |
| Florida | 3.7 | 6 |
| Georgia | 3.7 | 8 |
| Hawaii | 3.7 | 7 |
| Idaho | 3.7 | 7 |
| Illinois | 3.7 | 7 |
| Indiana | 3.75 | 7 |
| Iowa | 3.75 | 8 |
| Kansas | 3.75 | 7 |
| Kentucky | 3.8 | 6 |
| Louisiana | 3.75 | 6 |
| Maine | 3.7 | 6 |
| Maryland | 3.75 | 5 |
| Massachusetts | 3.7 | 7 |
| Michigan | 3.7 | 7 |
| Minnesota | 3.7 | 8 |
| Mississippi | 3.75 | 7 |
| Missouri | 3.8 | 7 |
| Montana | 3.75 | 5 |
| Nebraska | 3.75 | 7 |
| Nevada | 3.7 | 6 |
| New Hampshire | 3.7 | 8 |
| New Jersey | 3.7 | 8 |
| New Mexico | 3.8 | 7 |
| New York | 3.7 | 6 |
| North Carolina | 3.75 | 7 |
| North Dakota | 3.75 | 5 |
| Ohio | 3.7 | 6 |
| Oklahoma | 3.75 | 7 |
| Oregon | 3.7 | 7 |
| Pennsylvania | 3.7 | 7 |
| Rhode Island | 3.75 | 6 |
| South Carolina | 3.85 | 6 |
| South Dakota | 3.75 | 5 |
| Tennessee | 3.75 | 6 |
| Texas | 3.7 | 7 |
| Utah | 3.7 | 6 |
| Vermont | 3.75 | 6 |
| Virginia | 3.7 | 7 |
| Washington | 3.85 | 7 |
| West Virginia | 3.75 | 8 |
| Wisconsin | 3.7 | 7 |
| Wyoming | 3.75 | 8 |
Check how Pumpkin stacks up against other pet insurers below.
Pumpkin vs. AKC | • Dogs: 3.70 vs. 4.30 • Cats: 4.15 vs. 3.85 | AKC beats Pumpkin on coverage, but Pumpkin costs less and matches it on customer service. |
Pumpkin vs. ASPCA | • Dogs: 3.70 vs. 3.85 • Cats: 4.15 vs. 3.35 | ASPCA charges less for dogs, but Pumpkin wins on cat affordability and customer experience. |
Pumpkin vs. Embrace | • Dogs: 3.70 vs. 2.55 • Cats: 4.15 vs. 2.30 | Pumpkin costs less than Embrace and delivers better overall experience for both dogs and cats. |
Pumpkin vs. Fetch | • Dogs: 3.70 vs. 2.70 • Cats: 4.15 vs. 2.95 | Fetch edges ahead on coverage, but Pumpkin wins on price and customer service for both pets. |
Pumpkin vs. Figo | • Dogs: 3.70 vs. 3.60 • Cats: 4.15 vs. 3.80 | Figo provides more coverage options, but Pumpkin costs less and scores higher on customer satisfaction. |
Pumpkin vs. Hartville | • Dogs: 3.70 vs. 3.50 • Cats: 4.15 vs. 3.90 | Hartville offers slightly more coverage, yet Pumpkin wins on price and customer experience. |
Pumpkin vs. Lemonade | • Dogs: 3.70 vs. 4.50 • Cats: 4.15 vs. 4.25 | Lemonade dominates with higher scores across affordability and coverage, while Pumpkin trails on coverage strength. |
Pumpkin vs. Liberty | • Dogs: 3.70 vs. 2.65 • Cats: 4.15 vs. 2.30 | Pumpkin beats Liberty on price, customer experience and overall performance. |
Pumpkin vs. MetLife | • Dogs: 3.70 vs. 3.05 • Cats: 4.15 vs. 2.40 | Pumpkin scores much higher on customer service and affordability, making it the stronger choice overall. |
Pumpkin vs. Nationwide | • Dogs: 3.70 vs. 2.50 • Cats: 4.15 vs. 2.65 | Nationwide lags on affordability and coverage, while Pumpkin delivers better value for both pets. |
Pumpkin vs. Pets Best | • Dogs: 3.70 vs. 4.05 • Cats: 4.15 vs. 3.80 | Pets Best edges ahead on coverage, but Pumpkin costs less and scores higher on customer service. |
Pumpkin vs. Rainwalk | • Dogs: 3.70 vs. 4.05 • Cats: 4.15 vs. 3.95 | Rainwalk wins on coverage and customer service, but Pumpkin leads on affordability, especially for cats. |
Pumpkin vs. Spot | • Dogs: 3.70 vs. 3.75 • Cats: 4.15 vs. 4.15 | Spot offers stronger customer service and coverage, while Pumpkin costs less overall. |
Pumpkin pet insurance averages about $46 per month ($548 per year) for dogs and $20 per month ($238 per year) for cats. Your actual rate can vary based on factors like your location, your pet’s breed and the coverage you choose.
| Dog | $46 | $60 | $548 | $723 | 24% |
| Cat | $20 | $32 | $238 | $379 | 37% |
Pet insurance rates vary by state based on veterinary costs and local claim patterns. For cats, Pumpkin offers the most affordable pet insurance in Arkansas at $13 monthly, while Massachusetts has the highest rate at $26. Dog coverage follows the same pattern, with Arkansas offering the cheapest premiums at $31 compared to Massachusetts at $59.
| Alabama | $34 | $403 |
| Alaska | $45 | $534 |
| Arizona | $56 | $668 |
| Arkansas | $31 | $368 |
| California | $58 | $694 |
| Colorado | $58 | $690 |
| Connecticut | $53 | $626 |
| Delaware | $46 | $552 |
| Florida | $52 | $621 |
| Georgia | $41 | $495 |
| Hawaii | $46 | $554 |
| Idaho | $46 | $549 |
| Illinois | $57 | $680 |
| Indiana | $42 | $497 |
| Iowa | $39 | $461 |
| Kansas | $42 | $497 |
| Kentucky | $36 | $434 |
| Louisiana | $37 | $442 |
| Maine | $56 | $666 |
| Maryland | $45 | $538 |
| Massachusetts | $59 | $707 |
| Michigan | $46 | $550 |
| Minnesota | $48 | $569 |
| Mississippi | $39 | $466 |
| Missouri | $36 | $433 |
| Montana | $38 | $459 |
| Nebraska | $42 | $496 |
| Nevada | $48 | $569 |
| New Hampshire | $53 | $637 |
| New Jersey | $52 | $620 |
| New Mexico | $41 | $484 |
| New York | $50 | $597 |
| North Carolina | $41 | $489 |
| North Dakota | $35 | $421 |
| Ohio | $42 | $503 |
| Oklahoma | $38 | $458 |
| Oregon | $57 | $682 |
| Pennsylvania | $48 | $571 |
| Rhode Island | $40 | $477 |
| South Carolina | $44 | $521 |
| South Dakota | $41 | $485 |
| Tennessee | $42 | $507 |
| Texas | $49 | $580 |
| Utah | $44 | $523 |
| Vermont | $43 | $510 |
| Virginia | $49 | $586 |
| Washington | $53 | $631 |
| West Virginia | $40 | $474 |
| Wisconsin | $49 | $588 |
| Wyoming | $43 | $509 |
Pumpkin's premiums change based on your pet's breed. Cat owners pay around $17 monthly for British Longhairs but $35 for Abyssinians. Dog premiums start at $19 for small mixed breeds under 20 pounds and reach $103 for Scottish Terriers. These price differences happen because some breeds face more health problems and need costlier veterinary care.
| Abyssinian | $35 | $416 |
| Affenpinscher | $37 | $447 |
| Afghan Hound | $46 | $548 |
| Airedale Terrier | $49 | $587 |
| Akita | $39 | $464 |
| Alaskan Husky | $32 | $377 |
| Alaskan Malamute | $49 | $587 |
| Alsatian | $53 | $632 |
| Alsation | $37 | $447 |
| American Bulldog | $53 | $635 |
| American Bully | $56 | $672 |
| American Eskimo | $27 | $316 |
| American Foxhound | $32 | $377 |
| American Hairless Terrier | $27 | $316 |
| American Staffordshire Terrier | $53 | $635 |
| Australian Cattle Dog | $37 | $447 |
| Australian Kelpie | $37 | $447 |
| Australian Mist | $21 | $255 |
| Australian Shepherd | $27 | $316 |
| Australian Silky Terrier | $27 | $316 |
| Australian Terrier | $37 | $447 |
| Balinese | $35 | $416 |
| Basenji | $27 | $316 |
| Basset Fauve de Bretagne | $45 | $533 |
| Basset Hound | $49 | $587 |
| Beagle | $37 | $447 |
| Bearded Collie | $32 | $377 |
| Belgian Shepherd Malinois | $37 | $447 |
| Bengal | $24 | $288 |
| Bernese Mountain Dog | $81 | $978 |
| Bichon Frise | $37 | $447 |
| Birman | $19 | $224 |
| Bloodhound | $70 | $839 |
| Bombay | $17 | $201 |
| Border Collie | $27 | $316 |
| Border Terrier | $37 | $447 |
| Borzoi | $39 | $464 |
| Boston Terrier | $39 | $464 |
| Boxer | $66 | $790 |
| Bracco Italiano | $45 | $534 |
| Briard | $37 | $447 |
| British Bulldog | $60 | $722 |
| British Longhair | $17 | $203 |
| British Shorthair | $30 | $354 |
| Brussels Griffon | $37 | $447 |
| Bullmastiff | $81 | $978 |
| Bull Mastiff | $81 | $978 |
| Bull Terrier | $53 | $635 |
| Burmese | $26 | $309 |
| Cairn Terrier | $39 | $464 |
| Cane Corso | $60 | $722 |
| Caucasian Shepherd Dog | $69 | $821 |
| Cavachon | $27 | $316 |
| Cavalier King Charles Spaniel | $39 | $464 |
| Cavapoo | $23 | $280 |
| Central Asian Shepherd Dog | $49 | $587 |
| Chihuahua | $22 | $260 |
| Chinchilla | $26 | $309 |
| Chow Chow | $37 | $447 |
| Clumber Spaniel | $37 | $447 |
| Cockapoo | $23 | $280 |
| Cocker spaniel | $39 | $464 |
| Collie | $32 | $377 |
| Corgi | $47 | $562 |
| Cornish Rex | $26 | $309 |
| Coton De Tulear | $32 | $377 |
| Dachshund | $27 | $316 |
| Dalmatian | $60 | $722 |
| Devon Rex | $19 | $224 |
| Dingo | $37 | $447 |
| Doberman Pincher | $70 | $839 |
| Doberman Pinscher | $87 | $1,039 |
| Dogue de Bordeaux | $81 | $978 |
| Domestic Shorthair | $35 | $416 |
| English Bulldog | $81 | $978 |
| English Foxhound | $32 | $377 |
| English Mastiff | $60 | $722 |
| English Pointer | $37 | $447 |
| English Setter | $37 | $447 |
| English Springer Spaniel | $37 | $447 |
| English Toy Terrier | $32 | $377 |
| Estrela Mountain Dog | $53 | $635 |
| Exotic Shorthair | $35 | $416 |
| Field Spaniel | $37 | $447 |
| Finnish Lapphund | $37 | $447 |
| Foxhound | $40 | $477 |
| Fox Terrier | $36 | $425 |
| French Bulldog | $66 | $790 |
| German Pinscher | $32 | $377 |
| German Shepherd | $39 | $464 |
| German Shorthaired Pointer | $39 | $464 |
| German Spitz | $27 | $316 |
| Giant Mix (100 pounds+) | $44 | $518 |
| Giant Mix (110 pounds+) | $41 | $489 |
| Giant Mix (111 pounds+) | $37 | $447 |
| Giant Mix (90 pounds+) | $55 | $655 |
| Goldendoodle | $32 | $377 |
| Golden Retriever | $45 | $545 |
| Gordon Setter | $49 | $587 |
| Great Dane | $60 | $722 |
| Great Pyrenees | $37 | $447 |
| Greyhound | $46 | $548 |
| Groodle | $32 | $384 |
| Harrier | $32 | $377 |
| Havanese | $23 | $280 |
| Himalayan | $26 | $309 |
| Hungarian Vizsla | $37 | $447 |
| Husky | $27 | $316 |
| Icelandic Sheepdog | $37 | $447 |
| Irish Setter | $49 | $587 |
| Irish Terrier | $37 | $447 |
| Italian Greyhound | $37 | $447 |
| Italian Spinone | $37 | $447 |
| Jack Russell Terrier | $23 | $280 |
| Japanese Chin | $27 | $316 |
| Japanese Spitz | $27 | $316 |
| Kangal Shepherd Dog | $49 | $587 |
| Keeshond | $37 | $447 |
| Komondor | $37 | $447 |
| Labradoodle | $32 | $377 |
| Labrador Retriever | $46 | $548 |
| Large Mix (51-100 pounds) | $38 | $449 |
| Large Mix (51-110 pounds) | $34 | $411 |
| Large Mix (55-90 pounds) | $38 | $459 |
| Large Mix (60-109 pounds) | $41 | $489 |
| Large Mix (61+ pounds) | $38 | $450 |
| Large Mix (71+ pounds) | $69 | $819 |
| Large Mix (Over 70 pounds) | $37 | $447 |
| Lhasa Apso | $27 | $316 |
| Lurcher | $53 | $635 |
| Maine Coon | $30 | $354 |
| Maltese | $27 | $316 |
| Maltipoo | $23 | $280 |
| Medium Mix (20-55 pounds) | $30 | $359 |
| Medium Mix (20-70 pounds) | $32 | $377 |
| Medium Mix (21-70 pounds) | $71 | $849 |
| Medium Mix (23-70 pounds) | $38 | $451 |
| Medium Mix (26-50 pounds) | $31 | $375 |
| Medium Mix (26-59 pounds) | $41 | $489 |
| Medium Mix (31-50 pounds) | $32 | $377 |
| Medium Mix (31-59 pounds) | $31 | $370 |
| Miniature Bull Terrier | $70 | $839 |
| Miniature Dachshund | $32 | $377 |
| Miniature Fox Terrier | $37 | $440 |
| Miniature Pinscher | $32 | $377 |
| Miniature Poodle | $27 | $316 |
| Miniature Schnauzer | $32 | $377 |
| Mixed Breed | $40 | $483 |
| Mixed Breed Giant (>90 lbs) | $57 | $686 |
| Mixed Breed Large (51-90 lbs) | $38 | $449 |
| Mixed Breed Medium (31-50 lbs) | $28 | $335 |
| Mixed Breed Small (>10 lbs) | $24 | $279 |
| Mixed Breed Small (11-30 lbs) | $24 | $292 |
| Mixed breed Small (up to 20lbs when full grown) | $23 | $270 |
| Mixed Dog (21-50 pounds) | $33 | $399 |
| Mixed Dog (51-90 pounds) | $40 | $478 |
| Mixed Dog (91 pounds+) | $42 | $504 |
| Morkie | $23 | $280 |
| Munchkin | $26 | $309 |
| Newfoundland | $66 | $790 |
| Norfolk Terrier | $37 | $447 |
| Norwegian Elkhound | $37 | $447 |
| Norwegian Forest cat | $17 | $201 |
| Norwich Terrier | $37 | $447 |
| Olde English Bulldogge | $85 | $1,012 |
| Old English Buldogge | $60 | $722 |
| Old English Sheepdog | $37 | $447 |
| Papillon | $23 | $280 |
| Pekingese | $32 | $377 |
| Pembroke Welsh Corgi | $39 | $464 |
| Persian | $30 | $354 |
| Peruvian Hairless Dog | $37 | $447 |
| Petit Basset Griffon Vendeen | $51 | $614 |
| Petit Basset Griffon Vendeens | $37 | $447 |
| Pitbull | $49 | $587 |
| Pointer | $37 | $447 |
| Pomeranian | $32 | $377 |
| Portuguese Water Dog | $49 | $587 |
| Pug | $39 | $464 |
| Puggle | $27 | $316 |
| Puli | $27 | $316 |
| Ragdoll | $17 | $207 |
| Rhodesian Ridgeback | $49 | $587 |
| Rottweiler | $66 | $790 |
| Rough Collie | $45 | $535 |
| Russian Blue | $19 | $224 |
| Saint Bernard | $66 | $790 |
| Saluki | $39 | $464 |
| Samoyed | $39 | $464 |
| Savannah | $26 | $309 |
| Schnoodle | $27 | $316 |
| Scottish Deerhound | $66 | $790 |
| Scottish Fold | $26 | $309 |
| Scottish Terrier | $103 | $1,242 |
| Serengeti | $19 | $234 |
| Shar Pei | $81 | $978 |
| Shetland Sheepdog | $27 | $316 |
| Shiba Inu | $23 | $280 |
| Shih Tzu | $23 | $280 |
| Siamese | $19 | $224 |
Pumpkin ranks first in affordability for cats and third for dogs in our study, making it among the most competitive options available. Use the filterable table below to see how costs change based on your pet's age and your preferred deductible, annual limit and reimbursement rate.
| $63 | $753 | 12% |
Pumpkin a few pet insurance discounts to lower your rate, including multiple pets and veterinary staff discounts.
Multiple pets | 10% | Enroll more than one pet with Pumpkin |
Veterinary staff | Not specified | Work as a staff at a veterinary clinic |
Pumpkin ranks third nationally for customer service with cats and dogs. The company earns high marks from the Better Business Bureau and strong ratings on Trustpilot. Reddit users show mixed experiences, with most praising Pumpkin's responsive support team and helpful representatives. Some customers report concerns about claim approval processes and slower response times during busy periods.
Pumpkin earns a 4.8 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Pumpkin's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Pumpkin holds an A+ rating from the Better Business Bureau. The A+ grade is BBB's top rating, showing Pumpkin meets its standards for trust and resolves customer complaints effectively. This rating indicates the company follows ethical business practices and addresses customer concerns professionally.
Pumpkin shows strong Reddit sentiment with 79% positive feedback from our analysis of 14 comments. Users left 11 favorable reviews compared to three negative ones. Happy customers frequently mention responsive customer service and clear policy language.
Some users mention claim denials and coverage gaps, leading to mixed experiences with Pumpkin’s claims process. Overall, the feedback is mostly positive but still varies from one customer to another.
Pumpkin offers pet insurance coverage for dogs and cats. Pet owners can customize policies by choosing different coverage levels and adding optional riders to match their budget and their pet's health requirements.
$100 to $1,000 | |
$5,000, $10,000, $20,000, Unlimited | |
80% or 90% | |
Coverage for accidents and illnesses | Includes diagnostics, treatments, surgery, hospitalization, prescription medications, behavioral care, dental illnesses, hereditary and congenital conditions, parasite infections and more |
Prescription food and supplements | Covered when tied to an eligible illness or condition |
14 days for illness and accident coverage | |
Pre-existing conditions | Not covered; curable conditions may be eligible after 180 symptom-free days, except knee and hind leg ligament conditions |
Enrollment restrictions | No breed restrictions or upper age limits |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Pumpkin offers a non-insurance wellness package that reimburses routine wellness services like vaccinations, dental cleanings and annual exams.
Pumpkin Wellness Club | Members can choose between Essential and Premium wellness plans, which covers wellness exams, essential vaccines, parasite screening tests and spay/neuter procedures |
Pumpkin charges $46 monthly for dog insurance and $20 for cat coverage on average. The company ranks third nationally for customer experience and maintains high Trustpilot and BBB ratings. Pet owners can select accident-only or comprehensive accident and illness plans, with optional wellness add-ons available for preventive care coverage.
Browse through our review guides for the top pet insurance companies for your pet:
We’ve addressed some frequently asked questions about Pumpkin pet insurance below:
Pumpkin pet insurance is worth it in 2025, particularly for cat owners. The company ranks first nationally for cat insurance affordability and earns high marks for customer experience across both pets. With average premiums of $20 monthly for cats and $46 for dogs, Pumpkin offers competitive pricing that makes quality coverage accessible.
Reddit users generally have a positive view of Pumpkin’s pet insurance. In the comments we reviewed, 79% were favorable, with 11 positive and three negative posts. Many people appreciate the helpful customer service and clear policy details.
Others mention slow claim processing and limits around pre-existing conditions, so the experiences aren’t the same for everyone.
Pumpkin excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 consecutive days. Chronic conditions and ligament or knee problems are generally excluded permanently from coverage.
Pumpkin offers a 10% multiple pet discount when you insure two or more pets on the same policy. You can also access additional savings through AAA membership discounts, workplace benefit programs and other partner offers to reduce your monthly premiums further.
Yes, Pumpkin pet insurance is available nationwide in all 50 states. Premium costs vary by location. Cat coverage starts at $13 monthly in Arkansas and reaches $26 in Massachusetts. Dog insurance ranges from $31 monthly in Arkansas to $59 in Massachusetts.
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Pumpkin performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and coverage levels. Available discounts were factored in to reflect costs pet owners would pay.
Customer Experience (30% of score): Real customer opinions from platforms like Trustpilot and Reddit were analyzed to gauge satisfaction levels with Pumpkin's service.
Coverage Options (20% of score): We examined policy benefits, available add-ons and overall coverage breadth to assess how well plans meet diverse pet owner needs.
Our analysis used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
