The Pet Insurance Guide

Overall Personalized Rating: 4.5/5 (Excellent)

Overall Personalized Rating: 4.5/5 (Excellent)


Founded in 2020, Pumpkin is a newer pet insurance provider created by Zoetis, an animal health company that has over 60 years of experience in animal healthcare. Their goal is to keep pets as healthy as possible by offering best-in-class insurance coverage and an optional preventative care plan.

Key Benefits

  • Easy online experience and claims filing
  • High reimbursement rates to ensure you're really covered
  • Covers microchipping

Ratings Summary

Ratings Highlights

Overall Rating
Pumpkin provides fairly extensive coverage compared to other providers. While prices are about average, it's definitely an option to consider for anyone most concerned about what treatments will actually be covered by their policy.
Pumpkin's pricing is about average for pet insurance in general, but they are relatively inexpensive given the reimbursement and deductible rates they offer.
Coverage Offered
Pumpkin includes coverage for a wide variety of treatments and exams for accidents and illnesses so you don't have to worry. In all cases, a plan upgrade isn't necessary to get eligible procedures covered. Unlike some providers, Pumpkin does offer coverage for microchipping.
Pets Covered
Pumpkin covers dogs and cats.
Reimbursement Percent and Deductibles
Pumpkin's reimbursement percentage is always 90%, while deductibles are available at $100, $250, and $500.
Online Experience
Pumpkin's website is convenient and easy-to-use, making filing claims simple and fast. They do not currently have an app.
Other Services
Pumpkin has a 10% multiple pet discount for each additional pet added.

Company Background

Pumpkin Pet Insurance was founded in 2020 by Zoetis, an animal health company. They offer affordable insurance for both dogs and cats, with an emphasis on their preventative care plan option.

The Pet Insurance Guide's Reviews Methodology

The Pet Insurance Guide uses a proprietary algorithm to evaluate the pet insurance options presented. The factors we review and rate include pricing, deductible and reimbursement options, breadth of coverage, user experience, discounts, and additional services offered. These factors are evaluated and scored to provide an accurate overall rating for the carrier. We also provide comprehensive reviews of each carrier so our users can find the perfect match for their individual needs. Through hours of research, our team has gathered this invaluable data and perspective to ensure that our ratings and reviews are in-depth, honest, and most of all, helpful to pet owners. Use of The Pet Insurance Guide’s 2022 reviews by third parties without the express written consent of The Pet Insurance Guide is strictly prohibited.