Pumpkin Pet Insurance Review

Pumpkin ranks first as the best pet insurance for both dogs and cats in MoneyGeek's study, delivering a strong combination of affordable rates and excellent customer experience.

See how we evaluated Pumpkin → our Geeks (including me) did the homework, so you don't have to.

Explore top providers like Pumpkin with our partners.

Written by Connor Bolton

Updated: June 15, 2026

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Pumpkin Pet Insurance Review: Fast Facts

Below are answers to the frequently asked questions about Pumpkin's pet insurance offerings:

Is Pumpkin good for pet insurance?

Pumpkin leads as the best pet insurance company for dogs and cats, consistently earning high scores for affordability and customer experience. It's the strongest option for most cats and medium-sized dog breeds weighing 30 to 60 pounds.

→ Jump to detailed ratings

Who is Pumpkin best and worst for?

Our analysis shows that Pumpkin is best for cat owners, first-time pet insurance buyers and those with breeds prone to orthopedic conditions who benefit from its uniform 14-day waiting period.

It performs less competitively for pet owners who need granular control over policy customization, owners of accident-prone pets who need faster accident coverage and those who own Scottish Terriers and Domestic Shorthairs, where Pumpkin's rates are less competitive compared to breed averages.

Should I choose Pumpkin over competitors?

Pumpkin is worth choosing if affordability and a smooth customer experience are your priorities. For pet owners who need more coverage flexibility, comparing Pumpkin against other top-ranked providers before committing is worth the extra step.

→ See how Pumpkin stacks up to the competition

Is Pumpkin affordable?

While it's not the cheapest pet insurance company, Pumpkin offers the second-lowest average rate for cats at $19 monthly and third-lowest rate for dogs at $43 monthly. Its most competitive for medium-sized dogs (weighing 30 to 60 pounds) and most cat breeds, with savings of up to 58% compared to breed averages for dogs like Pulis and Welsh Springer Spaniels and up to 49% for cats like Norwegian Forest Cats.

→ See our full cost breakdown

What is Pumpkin's customer experience like?

Pumpkin ranks first overall for customer experience out of 18 providers, excelling across buying, claims and policy management. Its buying process completes in minutes with clear pricing and coverage information available before purchase, and its claims process is among the fastest in the market, with reimbursements arriving within 15 to 20 minutes through Pumpkin Now for eligible urgent care.

→ See our customer experience analysis

Does Pumpkin offer good coverage options?

Pumpkin's base plan covers a broad range of conditions including hereditary conditions, behavioral problems, alternative therapy and dental illnesses, but ranks 10th for cats and 11th for dogs due to limited policy customization options. It only has two reimbursement rates, a narrow deductible and annual limit range, plus fewer add-ons compared to higher-ranked providers, though its lack of breed restrictions and upper age limits makes it more accessible than many competitors for senior pets and higher-risk breeds.

→ See our full coverage review

Pumpkin Pet Insurance Ratings: How Does It Stack Up?

Pumpkin leads as the top overall pet insurance provider for dogs and cats in MoneyGeek's analysis, with its strongest score in customer experience. It offers the best value for medium-sized dog breeds that weigh from 30 to 60 pounds, such as Alaskan Huskies, Border Collies and Chow Chows, as well as cat breeds like Ragdolls, Birmans and Siberians.

My team and I rated each category below using a base profile of a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, each with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.

Affordability (2nd for cats, 3rd for dogs)

Pumpkin offers the second-cheapest rates for cats across nearly every breed in our study. For dogs, it ranks third overall and is competitive for most medium breeds between 30 and 60 pounds but not the cheapest option across the board.

Customer experience (1st for dogs and cats)

Pumpkin leads in buying, claims and policy management, particularly excelling in claims appeals, claims fairness and account servicing. While admin support and app usability are its least competitive areas, both still rank in the top five out of 18 providers, so policyholders are unlikely to notice a difference in day-to-day interactions.

Coverage (10th for cats, 11th for dogs)

Pumpkin's coverage terms are straightforward but limited in flexibility, with a 14-day waiting period that applies to accidents, illnesses and ligament or knee conditions. It may be worth considering for pet owners who want broad standard coverage for everyday health risks, but not ideal for those who need granular control over policy customization or own accident-prone pets where a longer waiting period for accidents could leave them exposed early in the policy term.

Find out if Pumpkin is a good fit for your situation:


You own a medium-sized (30 to 60 pounds) dog and want competitive rates	✅ Best choice	Pumpkin ranks first overall for medium breeds like Border Collies, Chow Chows and Huskies, with savings averaging 40% compared to breed averages.
You own a cat and want to save on cost	✅ Best choice	Pumpkin ranks second for cat affordability, with competitive rates across nearly every breed in our study including Ragdolls, Birmans and Siberians.
You want a smooth buying, claims and policy management experience	✅ Best choice	Pumpkin excels in customer experience, ranking first across buying, claims and policy management overall.
You own an accident-prone pet and need fast coverage	⚠️ Consider other options	Pumpkin's 14-day waiting period for accidents applies to all pets, which could leave accident-prone breeds exposed in the early policy term.
You need granular control over policy customization	⚠️ Consider other options	Pumpkin offers only two reimbursement rate options and limited flexibility for deductibles, annual limits and optional add-ons.
You own a large or giant-sized dog with complex coverage needs	❌ Not ideal	Pumpkin ranks 11th for coverage and becomes less competitive for larger breeds, where higher annual limits and more customizable options matter most.

Pumpkin ranks first overall for cats in 39 states and for dogs in 25 states, leading in cat affordability in 24 of those states and customer experience nationwide. For cats, the 12 states where it falls below first, including California, Maryland and Minnesota, reflect lower affordability scores rather than any change in customer experience or coverage.

For dogs, its second-place affordability ranking across most states is enough to reach first overall in 25 states, but its 11th-place coverage ranking keeps it from the top spot in the remaining 26, particularly in higher-cost markets like California, Massachusetts and Washington D.C.

Data filtered by:


Alabama	Cat	1	1	1	10
Alabama	Dog	1	2	1	11
Alaska	Cat	1	1	1	10
Alaska	Dog	1	2	1	11
Arizona	Cat	1	1	1	10
Arizona	Dog	1	2	1	11
Arkansas	Cat	1	1	1	10
Arkansas	Dog	1	2	1	11
California	Cat	2	2	1	10
California	Dog	2	3	1	11
Colorado	Cat	1	2	1	10
Colorado	Dog	3	3	1	11
Connecticut	Cat	1	1	1	10
Connecticut	Dog	2	2	1	11
Delaware	Cat	1	1	1	10
Delaware	Dog	3	2	1	11
Florida	Cat	1	1	1	10
Florida	Dog	1	2	1	11
Georgia	Cat	1	1	1	10
Georgia	Dog	2	3	1	11
Hawaii	Cat	1	2	1	10
Hawaii	Dog	1	3	1	11
Idaho	Cat	1	1	1	10
Idaho	Dog	1	2	1	11
Illinois	Cat	1	1	1	10
Illinois	Dog	1	2	1	11
Indiana	Cat	1	2	1	10
Indiana	Dog	2	4	1	11
Iowa	Cat	2	3	1	10
Iowa	Dog	3	5	1	11
Kansas	Cat	1	1	1	10
Kansas	Dog	1	2	1	11
Kentucky	Cat	1	2	1	10
Kentucky	Dog	1	3	1	11
Louisiana	Cat	1	1	1	10
Louisiana	Dog	1	2	1	11
Maine	Cat	2	2	1	10
Maine	Dog	2	4	1	11
Maryland	Cat	2	2	1	10
Maryland	Dog	4	6	1	11
Massachusetts	Cat	1	2	1	10
Massachusetts	Dog	3	3	1	11
Michigan	Cat	1	1	1	10
Michigan	Dog	2	3	1	11
Minnesota	Cat	2	3	1	10
Minnesota	Dog	4	5	1	11
Mississippi	Cat	2	3	1	10
Mississippi	Dog	2	4	1	11
Missouri	Cat	1	1	1	10
Missouri	Dog	1	2	1	11
Montana	Cat	1	2	1	10
Montana	Dog	2	4	1	11
Nebraska	Cat	1	1	1	10
Nebraska	Dog	1	2	1	11
Nevada	Cat	1	1	1	10
Nevada	Dog	1	2	1	11
New Hampshire	Cat	2	4	1	10
New Hampshire	Dog	4	4	1	11
New Jersey	Cat	1	1	1	10
New Jersey	Dog	1	2	1	11
New Mexico	Cat	1	2	1	10
New Mexico	Dog	1	3	1	11
New York	Cat	1	1	1	10
New York	Dog	1	2	1	11
North Carolina	Cat	1	2	1	10
North Carolina	Dog	1	3	1	11
North Dakota	Cat	1	2	1	10
North Dakota	Dog	1	3	1	11
Ohio	Cat	1	2	1	10
Ohio	Dog	4	4	1	11
Oklahoma	Cat	1	1	1	10
Oklahoma	Dog	1	2	1	11
Oregon	Cat	2	2	1	10
Oregon	Dog	2	3	1	11
Pennsylvania	Cat	1	2	1	10
Pennsylvania	Dog	4	4	1	11
Rhode Island	Cat	1	2	1	10
Rhode Island	Dog	1	3	1	11
South Carolina	Cat	1	1	1	10
South Carolina	Dog	4	4	1	11
South Dakota	Cat	1	1	1	10
South Dakota	Dog	1	2	1	11
Tennessee	Cat	1	1	1	10
Tennessee	Dog	1	2	1	11
Texas	Cat	1	1	1	10
Texas	Dog	1	2	1	11
Utah	Cat	1	2	1	10
Utah	Dog	3	4	1	11
Vermont	Cat	1	1	1	10
Vermont	Dog	1	2	1	11
Virginia	Cat	2	3	1	10
Virginia	Dog	4	4	1	11
Washington	Cat	1	3	1	10
Washington	Dog	2	4	1	11
Washington D.C.	Cat	3	5	1	10
Washington D.C.	Dog	4	7	1	11
West Virginia	Cat	2	2	1	10
West Virginia	Dog	2	3	1	11
Wisconsin	Cat	1	2	1	10
Wisconsin	Dog	2	3	1	11
Wyoming	Cat	2	3	1	10
Wyoming	Dog	2	4	1	11

Pumpkin ranks first overall for 68% out of 148 dog breeds and 38% out of 26 cat breeds in our study, with customer experience earning first place across every breed for both pet types. Its affordability lead is narrower for dogs, where it only holds the top spot for English Pointers, Hungarian Vizslas, Peruvian Hairless Dogs and Samoyeds, while cats earn Pumpkin a first-place affordability ranking across the board. Coverage ranks 11th for dogs and 10th for cats regardless of breed, which is the one consistent gap in an otherwise strong breed-level performance.

Data filtered by:


Abyssinian	3	5	1	10
Affenpinscher	3	4	1	11
Afghan Hound	3	4	1	11
Airedale Terrier	1	2	1	11
Akita	1	2	1	11
Alaskan Husky	1	2	1	11
Alaskan Malamute	2	3	1	11
American Bulldog	1	2	1	11
American Bully	1	2	1	11
American Eskimo	1	2	1	11
American Foxhound	1	2	1	11
American Hairless Terrier	1	2	1	11
American Staffordshire Terrier	1	3	1	11
Australian Cattle Dog	2	3	1	11
Australian Kelpie	1	2	1	11
Australian Shepherd	2	3	1	11
Australian Silky Terrier	2	2	1	11
Australian Terrier	3	4	1	11
Balinese	4	6	1	10
Basenji	1	2	1	11
Basset Hound	1	2	1	11
Beagle	2	3	1	11
Bearded Collie	1	2	1	11
Belgian Shepherd Malinois	1	3	1	11
Bengal	1	2	1	10
Bernese Mountain Dog	1	2	1	11
Bichon Frise	3	4	1	11
Birman	1	1	1	10
Bloodhound	1	5	1	11
Bombay	1	1	1	10
Border Collie	1	2	1	11
Border Terrier	3	4	1	11
Borzoi	1	2	1	11
Boston Terrier	3	4	1	11
Boxer	2	3	1	11
Briard	1	2	1	11
British Shorthair	3	4	1	10
Brussels Griffon	3	5	1	11
Bull Terrier	2	3	1	11
Bullmastiff	1	2	1	11
Burmese	3	3	1	10
Cairn Terrier	3	5	1	11
Cane Corso	1	2	1	11
Cavachon	1	2	1	11
Cavalier King Charles Spaniel	1	2	1	11
Cavapoo	1	2	1	11
Central Asian Shepherd Dog	1	4	1	11
Chihuahua	2	3	1	11
Chinchilla	3	3	1	10
Chow Chow	1	2	1	11
Clumber Spaniel	1	2	1	11
Cockapoo	1	2	1	11
Cocker spaniel	1	3	1	11
Collie	1	2	1	11
Cornish Rex	3	3	1	10
Coton De Tulear	3	4	1	11
Dachshund	1	2	1	11
Dalmatian	3	5	1	11
Devon Rex	1	1	1	10
Dingo	2	3	1	11
Doberman Pincher	2	5	1	11
Dogue de Bordeaux	1	2	1	11
Domestic Shorthair	7	7	1	10
English Bulldog	1	3	1	11
English Foxhound	1	2	1	11
English Mastiff	2	3	1	11
English Pointer	1	1	1	11
English Setter	1	2	1	11
English Springer Spaniel	1	2	1	11
English Toy Terrier	1	2	1	11
Estrela Mountain Dog	3	5	1	11
Exotic Shorthair	4	5	1	10
Field Spaniel	1	2	1	11
Finnish Lapphund	1	2	1	11
French Bulldog	1	2	1	11
German Pinscher	1	2	1	11
German Shepherd	1	2	1	11
German Shorthaired Pointer	2	3	1	11
German Spitz	1	2	1	11
Golden Retriever	1	2	1	11
Goldendoodle	1	3	1	11
Gordon Setter	2	3	1	11
Great Dane	1	2	1	11
Great Pyrenees	1	2	1	11
Greyhound	1	2	1	11
Harrier	1	2	1	11
Havanese	1	2	1	11
Himalayan	3	3	1	10
Hungarian Vizsla	1	1	1	11
Husky	1	2	1	11
Icelandic Sheepdog	1	3	1	11
Irish Setter	3	4	1	11
Irish Terrier	2	3	1	11
Italian Greyhound	2	3	1	11
Italian Spinone	1	2	1	11
Jack Russell Terrier	1	3	1	11
Japanese Chin	1	2	1	11
Japanese Spitz	1	2	1	11
Kangal Shepherd Dog	1	2	1	11
Keeshond	2	4	1	11
Komondor	1	2	1	11
Labradoodle	1	2	1	11
Labrador Retriever	1	3	1	11
Lhasa Apso	1	3	1	11
Lurcher	1	2	1	11
Maine Coon	3	3	1	10
Maltese	2	2	1	11
Maltipoo	1	2	1	11
Miniature Bull Terrier	6	9	1	11
Miniature Dachshund	1	3	1	11
Miniature Pinscher	3	3	1	11
Miniature Poodle	1	3	1	11
Miniature Schnauzer	3	4	1	11
Morkie	1	2	1	11
Munchkin	2	2	1	10
Newfoundland	1	2	1	11
Norfolk Terrier	3	5	1	11
Norwegian Elkhound	1	2	1	11
Norwegian Forest cat	1	1	1	10
Norwich Terrier	3	4	1	11
Old English Buldogge	2	3	1	11
Old English Sheepdog	1	2	1	11
Papillon	1	2	1	11
Pekingese	3	4	1	11
Pembroke Welsh Corgi	1	2	1	11
Persian	3	4	1	10
Peruvian Hairless Dog	1	1	1	11
Petit Basset Griffon Vendeen	1	3	1	11
Pitbull	3	3	1	11
Pointer	1	2	1	11
Pomeranian	1	3	1	11
Portuguese Water Dog	3	4	1	11
Pug	1	3	1	11
Puggle	1	2	1	11
Puli	1	2	1	11
Ragdoll	1	1	1	10
Rhodesian Ridgeback	1	2	1	11
Rottweiler	1	2	1	11
Russian Blue	2	2	1	10
Saint Bernard	1	2	1	11
Saluki	1	2	1	11
Samoyed	1	1	1	11
Savannah	1	1	1	10
Schnoodle	1	2	1	11
Scottish Deerhound	3	4	1	11
Scottish Fold	3	3	1	10
Scottish Terrier	15	15	1	11
Shar Pei	3	5	1	11
Shetland Sheepdog	1	2	1	11
Shiba Inu	1	2	1	11
Shih Tzu	1	3	1	11
Siamese	3	3	1	10
Siberian	1	1	1	10
Siberian Husky	1	2	1	11
Snowshoe	1	1	1	10
Soft Coated Wheaten Terrier	3	5	1	11
Sphynx	4	5	1	10
Staffordshire Bull Terrier	3	6	1	11
Standard Poodle	3	4	1	11
Standard Schnauzer	2	3	1	11
Tibetan Mastiff	1	2	1	11
Tibetan Terrier	2	3	1	11
Tonkinese	1	1	1	10
Toy Poodle	1	3	1	11
Vizsla	1	2	1	11
Weimaraner	1	2	1	11
Welsh Corgi Cardigan	2	3	1	11
Welsh Corgi Pembroke	1	2	1	11
Welsh Springer Spaniel	1	2	1	11
Welsh Terrier	1	2	1	11
West Highland White Terrier	1	3	1	11
Whippet	2	3	1	11
Wire Fox Terrier	1	3	1	11
Yorkshire terrier	1	3	1	11

Pumpkin Pet Insurance vs. Competition

Check how Pumpkin stacks up against other pet insurers to find the best fit for your particular situation.


Pumpkin vs. Lemonade Pet Insurance	Pumpkin ranks second for affordability and first for customer experience, while Lemonade ranks second for coverage, making it the stronger choice for pet owners who prioritize what their plan covers over how smoothly it's managed.	Depends (Pumpkin for customer experience and affordability, Lemonade for coverage)
Pumpkin vs. ASPCA Pet Insurance	ASPCA ranks first for affordability and third for coverage but falls to 13th for customer experience. Pumpkin outperforms in customer experience and finishes second for price, though it trails behind in coverage by nine spots.	Depends (ASPCA for affordability and coverage, Pumpkin for customer experience)
Pumpkin vs. Nationwide Pet Insurance	Pumpkin takes the top place for customer experience, with the second-lowest rates. Nationwide holds fifth and 15th spots for customer experience and affordability, but it ranks higher for coverage at eighth place.	Depends (Pumpkin for customer experience and affordability, Nationwide for coverage)
Pumpkin vs. Spot Pet Insurance	Both providers perform well on customer experience, with Pumpkin ranking first and Spot third. Pumpkin is more affordable, ranking second nationally against Spot's ninth, but Spot offers stronger coverage at sixth versus Pumpkin's 12th.	Depends (Pumpkin for affordability, Spot for coverage)
Pumpkin vs. Embrace Pet Insurance	Embrace ranks 13th for affordability and 12th overall, with rates averaging higher than the market average. Pumpkin outperforms it on every scored category in our study.	Pumpkin (across all categories)

Pumpkin Pet Insurance Coverage Review

Pumpkin falls to 10th place for cats and 11th place for dogs in pet insurance coverage, with a base plan that features hereditary conditions, behavioral problems, alternative therapy and dental illnesses but has limited options for deductibles, annual limits, reimbursement rates and add-ons. In practice, this means fewer ways to adjust your policy to match your pet's specific health risks or your budget as needs change over time. Pet owners who don't need the full breadth of Pumpkin's standard coverage have limited ability to scale back and reduce their premium, which is worth factoring in before committing to a plan.

As for coverage activation, Pumpkin applies a 14-day waiting period uniformly to accidents, illnesses and ligament or knee conditions. This works in favor of owners of breeds prone to orthopedic conditions, since coverage kicks in relatively quickly for those issues, but it's not ideal owners of accident-prone pets who may need coverage before the waiting period ends.

Pumpkin has no upper age limits or breed restrictions during enrollment, making it a solid option for owners of breeds that other providers decline to cover, and for pet owners who are enrolling an older pet for the first time and would otherwise struggle to find a plan that accepts them.

I broke down Pumpkin's coverage offerings in the table below:


Deductibles	$100, $250, $500, $1,000
Annual limits	$5,000, $10,000, $20,000, Unlimited
Reimbursement rates	80% or 90%
Standard coverage	Includes diagnostics, treatments, surgery, hospitalization, IV fluids and prescription medications, prescription food and supplements, behavioral issues, dental illnesses, hereditary and congenital conditions, parasite infections, tooth extractions due to accident, alternative therapy, microchip implantation, advanced care, end of life expenses
Waiting periods	14 days for accidents, illnesses and ligament or knee conditions
Pre-existing conditions	Curable conditions may be eligible for coverage after 180 symptom-free days
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-On Review

Pumpkin only offers one optional add-on to expand your base policy: Pumpkin Wellness Club. It's worth considering for new pet owners or those with younger pets who need frequent wellness visits, vaccinations and routine bloodwork as part of a regular preventive care schedule. Pet owners whose veterinary costs for routine care already fall within the annual limits per tier will also get the most value, especially at the Premium and Elite levels where tick, flea and heartworm prevention add substantial coverage at a predictable monthly cost.

However, owners of older pets whose routine care needs are already established and predictable, or those who simply prefer to pay out of pocket for wellness visits, are unlikely to recoup the monthly cost.

Learn more about Pumpkin's coverage add-on below:

Pumpkin Wellness Club is a standalone add-on that covers routine care costs not included in standard pet insurance, with three available tiers: Essential, Premium and Elite. All members get access to PawSupport, a 24/7 pet health helpline, regardless of tier.

Wellness plan for dogs:


Wellness exams	$115	$115	$115
Vaccinations	$100	$150	$150
Fecal test	$50	$50	$50
Routine bloodwork	$50	$100	$100
Tick, flea and heartworm prevention	X	$150	$250
Spay/neuter, dental cleaning or VOHC-approved dental products	X	$150	$150
Grooming	X	X	$180

Wellness plan for cats:


Wellness exams	$115	$115	$115
Vaccinations	$100	$150	$150
Fecal test	$40	$40	$40
Routine bloodwork	X	$75	$75
Tick, flea and heartworm prevention	X	$100	$200
Spay/neuter, dental cleaning or VOHC-approved dental products	X	$150	$150
Grooming	X	X	$100

How Much Does Pumpkin Pet Insurance Cost? (Affordability Review)

Pumpkin ranks second for cat affordability and third for dog affordability, with average monthly rates of $19 for cats and $43 for dogs based on our standard profiles. My analysis shows that these rates represent savings of 42% for cats and 30% for dogs compared to the national average. How well those savings translate depends on your pet's profile:

High-Level Affordability Trends

Cheapest for: Most cat breeds, medium dog breeds (30 to 60 lbs), small dog breeds (20 to 30 lbs), toy dog breeds (under 10 lbs), giant dog breeds (over 100 lbs)

Affordable for: Large dog breeds (61 to 100 lbs)

Expensive for: Scottish Terriers, Domestic Shorthairs

My team and I analyzed Pumpkin's pet insurance costs by breed, state and pet age to give you a clearer picture of where its rates are most competitive and where they fall short. If Pumpkin ranks in the top three for your pet's breed and state, it's likely one of the more affordable options you'll find when you get a quote.

Pumpkin's average monthly rates for dogs range from $20 to $73, while its cat rates average between $16 and $34 per month. Its strongest pricing advantage for dogs is with Pulis, Welsh Springer Spaniels and Tibetan Mastiffs, where savings reach 52% to 58% compared to breed averages. For cats, Norwegian Forest Cats, Birmans and Devon Rexes see the highest savings at 46% to 49%.

Data filtered by:


Abyssinian	$34	$403	17%	5
Affenpinscher	$34	$403	34%	4
Afghan Hound	$41	$496	32%	4
Airedale Terrier	$44	$527	31%	2
Akita	$35	$423	43%	2
Alaskan Husky	$28	$341	45%	2
Alaskan Malamute	$44	$527	29%	3
American Bulldog	$47	$568	42%	2
American Bully	$51	$609	39%	2
American Eskimo	$24	$289	44%	2
American Foxhound	$28	$341	43%	2
American Hairless Terrier	$24	$289	46%	2
American Staffordshire Terrier	$47	$568	27%	3
Australian Cattle Dog	$34	$403	30%	3
Australian Kelpie	$34	$403	35%	2
Australian Shepherd	$24	$289	42%	3
Australian Silky Terrier	$24	$289	42%	2
Australian Terrier	$34	$403	26%	4
Balinese	$34	$403	10%	6
Basenji	$24	$289	43%	2
Basset Hound	$44	$527	36%	2
Beagle	$34	$403	35%	3
Bearded Collie	$28	$341	40%	2
Belgian Shepherd Malinois	$34	$403	39%	3
Bengal	$23	$279	34%	2
Bernese Mountain Dog	$73	$878	33%	2
Bichon Frise	$34	$403	28%	4
Birman	$18	$217	46%	1
Bloodhound	$63	$754	22%	5
Bombay	$16	$196	44%	1
Border Collie	$24	$289	45%	2
Border Terrier	$34	$403	27%	4
Borzoi	$35	$423	49%	2
Boston Terrier	$35	$423	29%	4
Boxer	$59	$713	26%	3
Briard	$34	$403	43%	2
British Shorthair	$28	$341	23%	4
Brussels Griffon	$34	$403	29%	5
Bull Terrier	$47	$568	30%	3
Bullmastiff	$73	$878	32%	2
Burmese	$25	$299	27%	3
Cairn Terrier	$35	$423	29%	5
Cane Corso	$54	$651	41%	2
Cavachon	$24	$289	43%	2
Cavalier King Charles Spaniel	$35	$423	34%	2
Cavapoo	$21	$248	49%	2
Central Asian Shepherd Dog	$44	$527	40%	4
Chihuahua	$20	$238	40%	3
Chinchilla	$25	$299	23%	3
Chow Chow	$34	$403	43%	2
Clumber Spaniel	$34	$403	47%	2
Cockapoo	$21	$248	48%	2
Cocker spaniel	$35	$423	38%	3
Collie	$28	$341	44%	2
Cornish Rex	$25	$299	30%	3
Coton De Tulear	$28	$341	33%	4
Dachshund	$24	$289	43%	2
Dalmatian	$54	$651	20%	5
Devon Rex	$18	$217	46%	1
Dingo	$34	$403	20%	3
Doberman Pincher	$63	$754	16%	5
Dogue de Bordeaux	$73	$878	33%	2
Domestic Shorthair	$34	$403	-13%	7
English Bulldog	$73	$878	27%	3
English Foxhound	$28	$341	41%	2
English Mastiff	$54	$651	44%	3
English Pointer	$34	$403	45%	1
English Setter	$34	$403	41%	2
English Springer Spaniel	$34	$403	37%	2
English Toy Terrier	$28	$341	32%	2
Estrela Mountain Dog	$47	$568	32%	5
Exotic Shorthair	$34	$403	16%	5
Field Spaniel	$34	$403	38%	2
Finnish Lapphund	$34	$403	33%	2
French Bulldog	$59	$713	34%	2
German Pinscher	$28	$341	39%	2
German Shepherd	$35	$423	39%	2
German Shorthaired Pointer	$35	$423	35%	3
German Spitz	$24	$289	47%	2
Golden Retriever	$40	$485	34%	2
Goldendoodle	$28	$341	39%	3
Gordon Setter	$44	$527	38%	3
Great Dane	$54	$651	45%	2
Great Pyrenees	$34	$403	50%	2
Greyhound	$41	$496	37%	2
Harrier	$28	$341	49%	2
Havanese	$21	$248	48%	2
Himalayan	$25	$299	28%	3
Hungarian Vizsla	$34	$403	45%	1
Husky	$24	$289	40%	2
Icelandic Sheepdog	$34	$403	34%	3
Irish Setter	$44	$527	30%	4
Irish Terrier	$34	$403	33%	3
Italian Greyhound	$34	$403	32%	3
Italian Spinone	$34	$403	41%	2
Jack Russell Terrier	$21	$248	45%	3
Japanese Chin	$24	$289	43%	2
Japanese Spitz	$24	$289	45%	2
Kangal Shepherd Dog	$44	$527	36%	2
Keeshond	$34	$403	34%	4
Komondor	$34	$403	51%	2
Labradoodle	$28	$341	39%	2
Labrador Retriever	$43	$513	30%	3
Lhasa Apso	$24	$289	43%	3
Lurcher	$47	$568	26%	2
Maine Coon	$28	$341	26%	3
Maltese	$24	$289	42%	2
Maltipoo	$21	$248	44%	2
Miniature Bull Terrier	$63	$754	8%	9
Miniature Dachshund	$28	$341	38%	3
Miniature Pinscher	$28	$341	36%	3
Miniature Poodle	$24	$289	40%	3
Miniature Schnauzer	$28	$341	39%	4
Morkie	$21	$248	46%	2
Munchkin	$25	$299	26%	2
Newfoundland	$59	$713	36%	2
Norfolk Terrier	$34	$403	32%	5
Norwegian Elkhound	$34	$403	33%	2
Norwegian Forest cat	$16	$196	49%	1
Norwich Terrier	$34	$403	28%	4
Old English Buldogge	$54	$651	35%	3
Old English Sheepdog	$34	$403	47%	2
Papillon	$21	$248	48%	2
Pekingese	$28	$341	36%	4
Pembroke Welsh Corgi	$35	$423	33%	2
Persian	$28	$341	23%	4
Peruvian Hairless Dog	$34	$403	24%	1
Petit Basset Griffon Vendeen	$34	$403	38%	3
Pitbull	$44	$527	30%	3
Pointer	$34	$403	34%	2
Pomeranian	$28	$341	33%	3
Portuguese Water Dog	$44	$527	26%	4
Pug	$35	$423	35%	3
Puggle	$24	$289	42%	2
Puli	$24	$289	58%	2
Ragdoll	$19	$224	44%	1
Rhodesian Ridgeback	$44	$527	35%	2
Rottweiler	$59	$713	37%	2
Russian Blue	$18	$217	42%	2
Saint Bernard	$59	$713	43%	2
Saluki	$35	$423	37%	2
Samoyed	$35	$423	35%	1
Savannah	$25	$299	34%	1
Schnoodle	$24	$289	43%	2
Scottish Deerhound	$59	$713	30%	4
Scottish Fold	$25	$299	30%	3
Scottish Terrier	$93	$1,115	-63%	15
Shar Pei	$73	$878	17%	5
Shetland Sheepdog	$24	$289	46%	2
Shiba Inu	$21	$248	48%	2
Shih Tzu	$21	$248	44%	3
Siamese	$18	$217	40%	3
Siberian	$25	$299	33%	1
Siberian Husky	$28	$341	41%	2
Snowshoe	$25	$299	27%	1
Soft Coated Wheaten Terrier	$41	$496	26%	5
Sphynx	$34	$403	15%	5
Staffordshire Bull Terrier	$51	$609	13%	6
Standard Poodle	$41	$496	29%	4
Standard Schnauzer	$34	$403	35%	3
Tibetan Mastiff	$44	$527	52%	2
Tibetan Terrier	$34	$403	40%	3
Tonkinese	$18	$217	44%	1
Toy Poodle	$28	$341	32%	3
Vizsla	$34	$403	39%	2
Weimaraner	$44	$527	37%	2
Welsh Corgi Cardigan	$34	$403	34%	3
Welsh Corgi Pembroke	$35	$423	33%	2
Welsh Springer Spaniel	$21	$248	55%	2
Welsh Terrier	$34	$403	37%	2
West Highland White Terrier	$28	$341	39%	3
Whippet	$34	$403	33%	3
Wire Fox Terrier	$34	$403	35%	3
Yorkshire terrier	$24	$289	41%	3

At the state-level, Pumpkin offers the cheapest pet insurance in 23 of 51 states and Washington, D.C. Its monthly rates by state range from $20 to $60 on average, with savings up to 48%.

Data filtered by:


Alabama	$24	$283	37%	1
Alaska	$26	$317	48%	1
Arizona	$28	$338	41%	1
Arkansas	$20	$236	47%	1
California	$36	$432	37%	2
Colorado	$45	$536	25%	2
Connecticut	$34	$402	39%	1
Delaware	$32	$379	37%	1
Florida	$26	$308	46%	1
Georgia	$31	$376	37%	1
Hawaii	$37	$447	33%	2
Idaho	$29	$343	37%	1
Illinois	$31	$371	42%	1
Indiana	$25	$303	36%	2
Iowa	$31	$367	28%	4
Kansas	$28	$340	34%	1
Kentucky	$24	$291	36%	2
Louisiana	$28	$332	38%	1
Maine	$29	$344	33%	2
Maryland	$35	$415	29%	4
Massachusetts	$44	$531	29%	2
Michigan	$27	$329	39%	1
Minnesota	$31	$366	32%	2
Mississippi	$27	$326	38%	3
Missouri	$24	$284	41%	1
Montana	$25	$302	39%	2
Nebraska	$22	$270	47%	1
Nevada	$27	$320	42%	1
New Hampshire	$40	$474	24%	4
New Jersey	$27	$320	48%	1
New Mexico	$25	$306	39%	2
New York	$30	$355	44%	1
North Carolina	$31	$369	33%	2
North Dakota	$22	$262	42%	2
Ohio	$35	$422	26%	3
Oklahoma	$23	$278	43%	1
Oregon	$32	$390	33%	2
Pennsylvania	$38	$455	27%	2
Rhode Island	$29	$352	31%	2
South Carolina	$36	$428	22%	2
South Dakota	$29	$347	37%	1
Tennessee	$23	$275	43%	1
Texas	$30	$358	39%	1
Utah	$34	$406	29%	3
Vermont	$30	$358	36%	1
Virginia	$34	$412	25%	2
Washington	$46	$554	28%	3
Washington D.C.	$60	$724	15%	5
West Virginia	$24	$286	37%	2
Wisconsin	$35	$418	34%	2
Wyoming	$30	$357	32%	3

Pumpkin's monthly rates rise steadily with age, from $20 for pets under 1 to $90 for ages 16 to 20. Savings compared to age-group averages range from 24% for 9, 11 and 12-year-olds to 41% for 4-year-olds, with Pumpkin ranking as the second-cheapest pet insurer at age 6.

Data filtered by:


Under 1	$20	$240	37%	3
1	$20	$240	36%	3
2	$20	$240	36%	3
3	$20	$240	39%	3
4	$21	$256	41%	3
5	$24	$288	40%	3
6	$29	$352	36%	2
7	$34	$411	33%	3
8	$42	$502	27%	3
9	$48	$577	24%	3
10	$58	$694	25%	3
11	$68	$812	24%	4
12	$77	$929	24%	4
13	$80	$956	28%	4
14	$88	$1,052	29%	5
15	$89	$1,068	34%	3
16	$90	$1,079	31%	3
17	$90	$1,079	31%	3
18	$90	$1,079	31%	3
19	$90	$1,079	31%	3
20	$90	$1,079	31%	3

How much you pay for pet insurance depends partly on your pet's age. The resources below give you a starting point for comparing costs across every life stage.

Pumpkin Pet Insurance Discounts

Pumpkin has two pet insurance discounts to lower your rate, specifically for multiple pets and veterinary staff.


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 Experience Review and Ratings

Pumpkin leads in customer experience for both dogs and cats, excelling across buying, claims and policy management overall. Its strongest performance is in the buying process, where it tops the rankings for onboarding, price transparency and sales support, making it one of the easiest insurers to evaluate and purchase from. For pet owners, this translates to a straightforward experience from quote to active policy, with claims submission and billing among the smoothest in the market.

Pumpkin Pet Insurance Buying Experience Review

Pumpkin earns the top buying experience ranking out of 18 providers, with first-place scores across every sub-category we evaluated. In our testing, the quote process completed in minutes, with clear pricing and coverage information available before any commitment is required. Below, I broke down Pumpkin's buying experience across three areas:

Onboarding (1st out of 18): Pumpkin's onboarding process is fast and guided, walking pet owners through coverage options in a way that doesn't require prior insurance knowledge.
Price Transparency (1st out of 18): Pumpkin displays pricing clearly during the quote process, with deductibles, reimbursement rates and annual limits visible before purchase.
Sales Support (1st out of 18): Pumpkin earns its top sales support ranking by having a knowledgeable and patient support team, with agents willing to walk you through coverage details without rushing the process. Pumpkin's customer support is reachable by phone, live chat and email Monday through Saturday, with email responses promised within a day.

Pumpkin Pet Insurance Policy Management Experience Review

Pumpkin's policy management ranks first overall in our analysis, a result that holds across billing, account servicing and day-to-day self-service tasks. Where the buying experience earns its ranking through speed and clarity, policy management earns it through consistency, since pet owners can handle most routine tasks without having to contact support. Here's how Pumpkin's policy management experience breaks down:

Billing and Renewals (1st out of 18): Pumpkin leads all providers in billing and renewals, allowing you to set your billing preferences at enrollment, with paperless billing available.
Account Servicing (2nd out of 18): Account servicing ranks second, with pet owners able to access policy documents, track claims and update coverage details through the portal without friction.
Admin Support (5th out of 18): Admin support is Pumpkin's weakest policy management area, having slower response times for more involved inquiries and limited phone availability. While it ranked fifth out of 18, pet owners who prefer phone-first support for complex policy questions may notice it.
App UX (3rd out of 18): Pumpkin's app ranks third, with our team finding it functional and easy to use for routine tasks. It covers the core use cases well but doesn't quite match the experience of the top two providers for pet owners who manage their policy primarily through mobile.

Pumpkin Pet Insurance Claims Experience Review

Pumpkin ranks first for claims overall, driven by a submission process that removes most of the friction pet owners typically dread. For situations where speed matters most, Pumpkin offers Pumpkin Now, an expedited review service for pre-approval estimates and eligible claims that can put reimbursed funds in your account before you leave the vet. Here is how each area breaks down:

Submission Ease (1st out of 18): Pumpkin's claims submission process is the easiest in our study, requiring little more than uploading a vet invoice through the portal. Expect an average processing time of 8 to 12 minutes from submission to approval. For time-sensitive situations, Pumpkin Now offers expedited processing during service hours (Monday to Friday, 8 a.m. to 7 p.m. EST; Saturday, 9 a.m. to 4 p.m. EST), though it's not available on Sundays, which is worth noting given that emergencies rarely follow business hours.
Claims Speed (2nd out of 18): Pumpkin processes claims faster than all but one provider, with reimbursements consistently arriving within 24 to 48 hours. Pumpkin Now can accelerate this further for eligible claims, though it requires claims to be submitted through the Member Center or by veterinary staff through the hospital's Paw Portal, and your bank must be compatible with Pumpkin's payment system.
Claims Fairness and Appeals (2nd out of 18): Pumpkin ranks second for claims fairness and second for appeals, meaning the vast majority of policyholders receive outcomes they consider fair and have a reliable path to contest decisions they disagree with.

Pumpkin Pet Insurance Review: Our Process

My team and I analyzed more than 67,000 pet profiles across breeds, ages and states to build our Pumpkin rankings, collecting quotes, testing the buying and claims experience firsthand and working through policy documents line by line. Our national scores are calculated using a base profile of a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $5,000 annual limit, $500 deductible and 80% reimbursement rate, a profile that reflects the most common pet owner scenario but shouldn't be treated as the final word for every pet.

We applied the same framework to Pumpkin as every other provider in our study. For a full breakdown, visit our methodology page.

Vet bills are unpredictable, and pet insurance is meant to reduce that financial exposure but only if the premium itself is manageable. Affordability carries the most weight in our scoring because a policy you can't sustain doesn't financially protect your pet.

My team and I gathered quotes directly to measure how the following factors impact Pumpkin's pricing, then used AI assistance to extrapolate across all possible pet profile combinations:
- Breed: Rates vary considerably by breed, particularly for dogs with known health risks. We studied hundreds of breeds across both dogs and cats to capture how Pumpkin prices across the full range of animals people own.
- State: Where you live affects what insurers charge. We gathered data across all 50 states and Washington, D.C. to show where Pumpkin leads on price and where it doesn't.
- Pet age: Premiums rise as pets get older, and the rate of increase varies by provider. We studied age profiles from under 1 through age 20 to show how Pumpkin's pricing holds up across a pet's entire life.
We evaluated the full policyholder journey using verified reviews from Trustpilot, Reddit and the Better Business Bureau, supplemented by our own firsthand testing of the buying and claims process. We broke the experience into three stages, each weighted to reflect how much it affects long-term satisfaction:
- Buying experience (20% of CX score): We assessed how easy it is to get an accurate quote, understand what you're buying and get real answers before committing. This stage matters most for first-time buyers but carries the least weight because a smooth purchase doesn't guarantee a smooth claim.
- Policy management (30% of CX score): This is the everyday experience of being a policyholder: updating coverage, managing payments, accessing documents and getting help when something changes. We evaluated digital tools, billing reliability and how well Pumpkin supports policyholders between claims.
- Claims (50% of CX score): This is the moment pet insurance either earns its cost or doesn't. We examined how easy it is to file, how quickly claims are processed, how fairly outcomes are decided and how disputes are handled. Claims carries the most weight because it's the only category that tests whether the coverage works.
A policy's real value isn't always clear until you're reading an explanation of benefits after a denied claim. We reviewed Pumpkin's policy documents in detail to identify the terms that matter most at claim time and give pet owners a complete picture before they buy. Our coverage evaluation focused on four areas:
- Core coverage: What conditions and treatments the base plan covers, including hereditary conditions, behavioral issues, dental illness and alternative therapies, as well as what it excludes.
- Flexibility: How much control you have over your deductible, annual limit, reimbursement rate and optional add-ons, and how that affects your out-of-pocket costs over time.
- Policy terms and conditions: Waiting periods, pre-existing condition rules and any clauses that could affect whether a claim gets paid, all of which are details most policyholders don't read until it's too late.
- Add-ons and eligibility: What optional coverage is available, how useful it is in practice and which pets and breeds qualify for coverage under Pumpkin's underwriting guidelines.

Get back to the main review:

Ratings
Competition vs. Pumpkin
Affordability
Customer Experience
Coverage

About Connor Bolton

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.

The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.

For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.

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Sources

Pumpkin. "Only PumpkinNow™ pays you before you pay vet bills." Accessed June 2, 2026.
Pumpkin. "Wellness plans for a lifetime of face smushing." Accessed June 2, 2026.
Pumpkin. "What Is A Pet Insurance Waiting Period?." Accessed June 2, 2026.
Pumpkin. "When Is the Best Time To Buy Pet Insurance?." Accessed June 2, 2026.