Pumpkin Pet Insurance has quickly established itself as one of the most customer-friendly and competitively priced pet insurance options in the U.S. market. Founded in 2019 in New York, Pumpkin offers a single, comprehensive accident and illness plan with no hidden add-on fees for key coverages — including exam fees, hereditary conditions, and alternative therapies — alongside an optional preventive care package. It is ranked #1 nationally for cat insurance affordability and earns top marks for customer experience. This review covers Pumpkin's coverage, pricing, financial structure, waiting periods, and overall value as of 2025.

*Average monthly premiums: ~$46/month for dogs, ~$20/month for cats. Pumpkin is a licensed insurance agency (MGA); policies are underwritten by Independence American Insurance Company or United States Fire Insurance Company.

Company Background

Who Is Pumpkin?

Pumpkin Pet Insurance was founded in 2019 and is headquartered in New York, New York (666 Third Avenue, Floor 23). The company was built around a belief that pet insurance should be transparent, comprehensive, and easy to use — with key coverages like exam fees, hereditary conditions, and alternative therapies included by default, not hidden behind add-ons.

In May 2023, JAB Holding Company acquired a majority stake in Pumpkin — the same investment group that owns Embrace Pet Insurance. Pumpkin operates independently from Embrace as a separate product with distinct underwriters and coverage structure. Pumpkin is available in all 50 states and U.S. territories, with approximately 198 employees. It earned BBB accreditation in July 2025.

Coverage

Coverage Options

Pumpkin keeps its plan structure intentionally simple: one comprehensive accident and illness plan with no accident-only option. Key coverages are included by default rather than charged as add-ons. An optional Preventive Essentials wellness package is also available, and standalone wellness coverage can be purchased separately.

Pricing

Pricing & Policy Customization

Pumpkin ranks #1 nationally for cat insurance affordability (MoneyGeek 2025) and offers highly competitive pricing for both cats and dogs. The base 90% reimbursement rate is included as standard — not an upgrade — which contributes to strong total value despite the single-plan structure.

Waiting Periods

Waiting Periods Before Coverage Begins

Pumpkin's 14-day waiting period applies to both accidents and illnesses — meaning the accident coverage wait is longer than some competitors who offer 2-day accident coverage. The cruciate ligament period is notably shorter than most at 14 days for certain cases.

Key Features

What Sets Pumpkin Apart

Customer Feedback

What Customers Are Saying

Pumpkin earns strong marks across review platforms, with an A+ BBB rating, high Trustpilot scores, and 79% positive Reddit sentiment — the highest among the five providers reviewed here. MoneyGeek ranks it #3 nationally for customer experience. BBB reviews consistently highlight fast claim processing, compassionate customer service, and transparent coverage.

Industry Ratings

Third-Party Evaluations

Assessment

Strengths & Weaknesses

The Verdict

Is Pumpkin Right for Your Pet?

Pumpkin is an exceptional choice for cat owners, senior pet owners, and households that value comprehensive, transparent coverage without the complexity of multiple add-ons. Its category-leading cat affordability, high customer satisfaction, and industry-best Reddit sentiment suggest it delivers consistently on its promises. The absence of an accident-only plan and the 14-day accident wait are the primary limitations to weigh.