Pumpkin's pet insurance scores 4.15 out of 5 for cats and 3.70 for dogs in MoneyGeek's analysis. The provider excels in affordability, ranking first nationally for cat coverage. Pumpkin ranks 11th among competitors for coverage options. It requires a 14-day waiting period for accident coverage, which is standard compared to most competitors.
Pumpkin Pet Insurance Review
Updated: November 27, 2025
Advertising & Editorial Disclosure
Pumpkin Pet Insurance Review: Key Takeaways
Pumpkin ranks first in affordability for cat insurance and third for dog insurance, with monthly premiums starting at $20 and $46, respectively.
Ranking third nationally for customer experience, Pumpkin maintains an A+ rating with the Better Business Bureau and receives positive reviews on Trustpilot.
Pumpkin places 11th nationwide for coverage options, offering comprehensive accident and illness insurance with an optional preventive care add-on package.
Pumpkin Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 4.15 | 3 |
| Coverage | 1.67 | 11 |
| Customer Experience | 4.38 | 3 |
| Overall Score | 3.70 | 7 |
WHO IS PUMPKIN PET INSURANCE BEST FOR?
Pumpkin ranks among the best pet insurance companies for cat owners wanting affordable premiums. The company also provides comprehensive coverage that includes hereditary conditions, alternative therapies and exam fees at no extra cost.
However, accident coverage involves waiting periods, which may not suit those seeking needing immediate financial protection.
Learn more about the best pet insurance options for your pet:
Pumpkin Pet Insurance Ratings by State
Pumpkin offers pet insurance nationwide. For cats, it achieves second place in 16 states and ranks first for affordability across all 50 states. Dog coverage performs more moderately, with fifth place as its best overall ranking in six states. Although Pumpkin doesn't offer the best pet insurance overall, both cats and dogs still benefit from the company's strong third-place customer experience ranking nationwide.
Data filtered by:
Overall Score
Dog
| Alabama | 3.80 | 6 |
| Alaska | 3.70 | 5 |
| Arizona | 3.70 | 8 |
| Arkansas | 3.80 | 6 |
| California | 3.70 | 8 |
| Colorado | 3.70 | 7 |
| Connecticut | 3.70 | 6 |
| Delaware | 3.70 | 5 |
| Florida | 3.70 | 6 |
| Georgia | 3.70 | 8 |
| Hawaii | 3.70 | 7 |
| Idaho | 3.70 | 7 |
| Illinois | 3.70 | 7 |
| Indiana | 3.75 | 7 |
| Iowa | 3.75 | 8 |
| Kansas | 3.75 | 7 |
| Kentucky | 3.80 | 6 |
| Louisiana | 3.75 | 6 |
| Maine | 3.70 | 6 |
| Maryland | 3.75 | 5 |
| Massachusetts | 3.70 | 7 |
| Michigan | 3.70 | 7 |
| Minnesota | 3.70 | 8 |
| Mississippi | 3.75 | 7 |
| Missouri | 3.80 | 7 |
| Montana | 3.75 | 5 |
| Nebraska | 3.75 | 7 |
| Nevada | 3.70 | 6 |
| New Hampshire | 3.70 | 8 |
| New Jersey | 3.70 | 8 |
| New Mexico | 3.80 | 7 |
| New York | 3.70 | 6 |
| North Carolina | 3.75 | 7 |
| North Dakota | 3.75 | 5 |
| Ohio | 3.70 | 6 |
| Oklahoma | 3.75 | 7 |
| Oregon | 3.70 | 7 |
| Pennsylvania | 3.70 | 7 |
| Rhode Island | 3.75 | 6 |
| South Carolina | 3.85 | 6 |
| South Dakota | 3.75 | 5 |
| Tennessee | 3.75 | 6 |
| Texas | 3.70 | 7 |
| Utah | 3.70 | 6 |
| Vermont | 3.75 | 6 |
| Virginia | 3.70 | 7 |
| Washington | 3.85 | 7 |
| West Virginia | 3.75 | 8 |
| Wisconsin | 3.70 | 7 |
| Wyoming | 3.75 | 8 |
Pumpkin Pet Insurance Comparison
See how Pumpkin pet insurance fares against national competitors below.
Pumpkin vs. AKC | • Dogs: 3.70 vs. 4.30 • Cats: 4.15 vs. 3.85 | AKC offers much stronger coverage, while Pumpkin is more affordable and competitive in customer service. |
Pumpkin vs. ASPCA | • Dogs: 3.70 vs. 3.85 • Cats: 4.15 vs. 3.35 | ASPCA is cheaper for dogs, but Pumpkin excels in cat affordability and customer experience. |
Pumpkin vs. Embrace | • Dogs: 3.70 vs. 2.55 • Cats: 4.15 vs. 2.30 | Pumpkin offers better affordability and a stronger overall experience for dogs and cats. |
Pumpkin vs. Fetch | • Dogs: 3.70 vs. 2.70 • Cats: 4.15 vs. 2.95 | Fetch has stronger coverage, but Pumpkin leads in affordability and customer service across both pets. |
Pumpkin vs. Figo | • Dogs: 3.70 vs. 3.60 • Cats: 4.15 vs. 3.80 | Figo provides better coverage, but Pumpkin is more affordable and offers higher customer satisfaction. |
Pumpkin vs. Hartville | • Dogs: 3.70 vs. 3.50 • Cats: 4.15 vs. 3.90 | Hartville provides slightly better coverage, yet Pumpkin wins in affordability and customer experience. |
Pumpkin vs. Lemonade | • Dogs: 3.70 vs. 4.50 • Cats: 4.15 vs. 4.25 | Lemonade leads in overall scores and affordability, while Pumpkin ranks lower for coverage strength. |
Pumpkin vs. Liberty | • Dogs: 3.70 vs. 2.65 • Cats: 4.15 vs. 2.30 | Pumpkin performs better than Liberty with superior affordability, customer experience and overall performance. |
Pumpkin vs. MetLife | • Dogs: 3.70 vs. 3.05 • Cats: 4.15 vs. 2.40 | Pumpkin scores much higher in customer service and affordability, making it the stronger option overall. |
Pumpkin vs. Nationwide | • Dogs: 3.70 vs. 2.50 • Cats: 4.15 vs. 2.65 | Nationwide falls behind in affordability and coverage, while Pumpkin delivers stronger overall value for both pets. |
Pumpkin vs. Pets Best | • Dogs: 3.70 vs. 4.05 • Cats: 4.15 vs. 3.80 | Pets Best offers better coverage, but Pumpkin leads in affordability and customer service. |
Pumpkin vs. Rainwalk | • Dogs: 3.70 vs. 4.05 • Cats: 4.15 vs. 3.95 | Rainwalk wins in coverage and customer service, but Pumpkin leads in 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 remains more affordable overall. |
How Much Does Pumpkin Pet Insurance Cost?
Pumpkin pet insurance costs an average of $46 monthly ($548 annually) for dog coverage and $20 monthly ($238 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $46 | $60 | $548 | $723 | 24% |
| Cat | $20 | $32 | $238 | $379 | 37% |
Pumpkin Pet Insurance Rates by State
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.
Data filtered by:
Dog
| 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 Pet Insurance Rates by Breed
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.
Data filtered by:
Select
Select
| 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 |
Is Pumpkin Pet Insurance Expensive?
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.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $63 | $753 | 12% |
Pumpkin Pet Insurance Discounts
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 Pet Insurance Customer Service Reviews and Ratings
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 Trustpilot Reviews
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 Better Business Bureau Rating
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 Pet Insurance Reddit Sentiment
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 express frustration with claim denials and coverage gaps, showing mixed experiences with Pumpkin's claims process. This feedback reflects generally positive but varied customer experiences.
Pumpkin Pet Insurance Coverage
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 Pet Insurance Coverage Add-Ons
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 |
Is Pumpkin Pet Insurance Good: Bottom Line
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:
Pumpkin Pet Insurance Review: FAQ
We’ve addressed some frequently asked questions about Pumpkin pet insurance below:
Is Pumpkin pet insurance worth it in 2025?
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.
What do Reddit users really think about Pumpkin pet insurance?
Reddit users show mostly positive sentiment toward Pumpkin pet insurance. Data reveals 79% positive comments, with 11 favorable versus three negative reviews. Users frequently praise Pumpkin's customer service responsiveness and clear policy explanations. Some criticize the claim processing delays and coverage restrictions for pre-existing conditions, creating mixed experiences overall.
Does Pumpkin cover pre-existing conditions for pets?
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.
Can I get a discount for insuring multiple pets with Pumpkin?
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.
Is Pumpkin pet insurance available in my state?
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.
How We Rated Pumpkin Pet Insurance
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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
sources
- Better Business Bureau. "Pumpkin Insurance Services Inc." Accessed November 29, 2025.
- Trustpilot. "Pumpkin Pet Insurance." Accessed November 29, 2025.