Pumpkin Pet Insurance
Pumpkin is a monthly pet insurance membership, not a free trial.
Exit grade D: There is no self-serve online cancel button. You can cancel any time by contacting Pumpkin by phone or email; a full refund is available in the first 30 days if you have filed no covered claim (outside New York and Maine), otherwise the refund is pro-rated.
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Pumpkin Pet Insurance: Pumpkin is a monthly pet insurance membership, not a free trial. A credit card is required to start. Cancelling is hard - about 12 minutes. Our take: Pumpkin pairs a generous base plan - 90 percent reimbursement in most states, with dental, behavioral, and hereditary conditions included - with an optional Preventive Essentials add-on that reimburses routine care at 100 percent.
Last verified: July 22, 2026
On pumpkin.care
Our take
Pumpkin pairs a generous base plan - 90 percent reimbursement in most states, with dental, behavioral, and hereditary conditions included - with an optional Preventive Essentials add-on that reimburses routine care at 100 percent. It is a strong choice for an owner who wants broad coverage and a clean wellness option. Honest trade-offs: Preventive Essentials is a separate reimbursement product rather than insurance and is not sold in every state, and cancellation is by phone or email rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.
Pumpkin at a glance
| Accident and Illness plan | |
|---|---|
| Typical monthly premium | Small dogs from about $19, higher-risk breeds $100+, cats lower |
| Reimbursement | 90% in most states (80% in some) |
| Annual deductible | $100 to $1,000 |
| Annual payout limit | $5,000 up to Unlimited |
| Waiting periods | 14 days accident and illness (incl. cruciate/orthopedic in most states) |
| Wellness / preventive | Optional Preventive Essentials, reimburses 100% of a set list (~46 states + DC) |
| Key exclusions | Pre-existing conditions; routine care unless add-on purchased |
| Cancellation | Phone or email - no self-serve online |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - honest ranges, not a quote. Preventive Essentials is a separate reimbursement product, not insurance.
What you get
The Pumpkin Pet Insurance Accident and Illness (90% in most states) plan
Included · 5
Accident and illness coverage at 90 percent reimbursement in most states (an 80 percent option applies in some)
Broad inclusions: dental, behavioral, and hereditary and congenital conditions, plus diagnostics and surgery for covered conditions
Your choice of annual deductible ($100 to $1,000) and annual limit ($5,000 to Unlimited)
An optional Preventive Essentials add-on that reimburses 100 percent of a set list of routine services
A relatively short 14-day waiting period that also applies to cruciate and orthopedic conditions in most states
Worth knowing
Pre-existing conditions - excluded, as with every carrier
Routine care in the base plan - it needs the separate Preventive Essentials add-on, which is not itself insurance
Preventive Essentials in every state - it is available in about 46 states and Washington, DC
Coverage during the 14-day waiting period
A flat premium - rates rise with age and vet-cost inflation
The honest data
By the numbers
- Pricing
- Pumpkin is a monthly pet insurance membership, not a free trial. Its accident-and-illness plan reimburses at 90 percent in most states, with broad inclusions like dental, behavioral, and hereditary conditions. Premiums vary by species, breed, age, and ZIP. Researched July 2026: small dogs can start near $19 a month, while higher-risk breeds can exceed $100, with cats generally lower. You choose an annual deductible from $100 to $1,000 and an annual limit from $5,000 to Unlimited. Routine care is a separate optional product called Preventive Essentials, which reimburses 100 percent of a set list of services (one annual exam, certain vaccines, a parasite screen) and is not itself insurance. Policies are underwritten by Independence American Insurance Company or United States Fire Insurance Company.
- Card required
- Yes
- Cancellation
- Hard
- Time to cancel
- ~12 min
Around the web
What others say about Pumpkin Pet Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
2 reviews from 2 sources
Topline: Mixed
1 positive1 mixed
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
Forbes Advisor
Pumpkin Pet Insurance Review and Pricing
“Credits the 90 percent reimbursement, broad inclusions, and the 100 percent Preventive Essentials add-on, while noting the wellness product is separate from insurance and not sold everywhere.”
Independent editorial review; details summarized from the piece.
Read on forbes.comReviewer
U.S. News
Pumpkin Pet Insurance Review for 2026
“Notes strong coverage breadth and a short waiting period, alongside pricing that can run high for some breeds and a phone or email cancellation process.”
Independent editorial review; sentiment summarized from the piece.
Read on usnews.com
Cancellation guide
How to cancel Pumpkin Pet Insurance
Documented · ~12 min
- 01
Have your policy or plan number ready
- 02
Contact Pumpkin by phone or email to request cancellation - there is no self-serve cancel button
- 03
State the effective date you want coverage to end
- 04
If you are within the first 30 days and have filed no covered claim (outside New York and Maine), ask about a full refund; otherwise ask about a pro-rated refund
- 05
Request written confirmation of the cancellation
Pumpkin Pet Insurance free trial - frequently asked
- How much does Pumpkin Pet Insurance cost?
- Pumpkin is a monthly pet insurance membership, not a free trial. Its accident-and-illness plan reimburses at 90 percent in most states, with broad inclusions like dental, behavioral, and hereditary conditions. Premiums vary by species, breed, age, and ZIP. Researched July 2026: small dogs can start near $19 a month, while higher-risk breeds can exceed $100, with cats generally lower. You choose an annual deductible from $100 to $1,000 and an annual limit from $5,000 to Unlimited. Routine care is a separate optional product called Preventive Essentials, which reimburses 100 percent of a set list of services (one annual exam, certain vaccines, a parasite screen) and is not itself insurance. Policies are underwritten by Independence American Insurance Company or United States Fire Insurance Company.
- How do I cancel Pumpkin Pet Insurance?
- To cancel Pumpkin Pet Insurance: 1. Have your policy or plan number ready; 2. Contact Pumpkin by phone or email to request cancellation - there is no self-serve cancel button; 3. State the effective date you want coverage to end; 4. If you are within the first 30 days and have filed no covered claim (outside New York and Maine), ask about a full refund; otherwise ask about a pro-rated refund; 5. Request written confirmation of the cancellation. It takes about 12 minutes and is rated hard to cancel.
- Do I need a credit card for the Pumpkin Pet Insurance trial?
- Yes - Pumpkin Pet Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
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