Pumpkin Pet Insurance
Founded in 2020. Available in 50 states. BBB rating: A. AM Best: A.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$28–$55/mo
Young dog
$45–$82/mo
Senior
Medium dogs
25–60 lbs
$38–$72/mo
Young dog
Large dogs
> 60 lbs
$48–$95/mo
Young dog
$68–$135/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$55–$110/mo
Plan options
Coverage details
What Pumpkin covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Excellent preventive care add-on (Pumpkin PupPack)
- ✓ 90% reimbursement standard
- ✓ Dental illness coverage included
- ✓ Comprehensive coverage including behavioral
- ✓ No upper age limit
Weaknesses
- ✗ Only 90% reimbursement available
- ✗ 14-day accident waiting period
- ✗ 6-month cruciate wait
- ✗ Preventive care is extra cost add-on
- ✗ Limited deductible options
Best for
- → owners wanting preventive care add-on
- → those comfortable with 90% reimbursement
- → comprehensive coverage seekers
Less ideal for
- → those wanting reimbursement flexibility
- → budget shoppers wanting low premiums
- → owners needing immediate orthopedic coverage
Frequently asked questions
How much does Pumpkin cost?
Pumpkin premiums start at $28/month for small young dogs and range up to $135/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Pumpkin cover hereditary conditions?
Yes, Pumpkin covers hereditary and breed-specific conditions.
What is Pumpkin's waiting period?
Pumpkin has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for Pumpkin?
No, Pumpkin has no upper age limit for enrollment.
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Last verified: 2026-05-16