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.
On pumpkin.care
We may earn a commission (via cj) - it doesn't change our verdict. How we get paid →
Then come back.
We'll track Pumpkin Pet Insurance for you - reminders days before renewal, so deciding is always on your schedule.
Track this trialQuick answer
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.
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
What’s new with Pumpkin Pet Insurance
- Feature changeAug 27, 2026
Pumpkin replaces Preventive Essentials with Pumpkin Wellness Club
Pumpkin Pet Insurance announced that its Pumpkin Wellness Club preventive-care add-on has replaced Preventive Essentials for new customers. The change is part of Pumpkin's ongoing effort to help pet parents plan for routine veterinary care costs.
Cancellation guide
How to cancel Pumpkin Pet Insurance
Documented · ~12 min
- 01
Have your policy or plan number and pet details ready.
- 02
Contact Pumpkin by phone at 1-866-726-7746 or by email to request cancellation, since there is no self-serve cancel button.
- 03
State the future date you want coverage to end, since Pumpkin cannot backdate a cancellation.
- 04
If you are within the first 30 days and have filed no covered claim, ask about a full refund. That full refund does not apply in New York, and the timing rules differ in Louisiana, Maine, and Washington.
- 05
Cancelling the insurance also ends any Preventive Essentials plan, so confirm that and request written confirmation of the cancellation.
Full guide: how to cancel Pumpkin Pet Insurance
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 and pet details ready; 2. Contact Pumpkin by phone at 1-866-726-7746 or by email to request cancellation, since there is no self-serve cancel button; 3. State the future date you want coverage to end, since Pumpkin cannot backdate a cancellation; 4. If you are within the first 30 days and have filed no covered claim, ask about a full refund. That full refund does not apply in New York, and the timing rules differ in Louisiana, Maine, and Washington; 5. Cancelling the insurance also ends any Preventive Essentials plan, so confirm that and 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.
More Pet Insurance trials
Fetch Pet Insurance
Free
-
After
-
Kept
-
“Fetch has the broadest base coverage in our set: behavioral therapy, dental disease, holistic and alternative care, and unusual extras like lost-pet reward and vacation-cancellation costs are built into the plan rather than bolted on. That makes it a strong pick for an owner who wants one comprehensive policy. Honest trade-offs: sick-visit exam-fee coverage can be an add-on depending on your state, the orthopedic waiting period is a full 6 months, 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.”
Healthy Paws Pet Insurance
Free
-
After
-
Kept
-
“Healthy Paws is the pick for an owner who wants the simplest possible unlimited plan and won't ever file a wellness claim. There's just one accident-and-illness plan, but it has no annual, per-incident, or lifetime payout cap. That's rare. And it's genuinely valuable if you're dealing with a serious ongoing condition. But the trade-offs are real. There's no wellness or routine-dental option at all. Older pets run into enrollment limits on deductible and reimbursement choices. And cancellation isn't self-serve - you have to contact them to leave. Track your renewal here and we'll send a reminder before each one, so nothing surprises you.”
Embrace Pet Insurance
Free
-
After
-
Kept
-
“Embrace is a strong all-rounder with two things going for it that are easy to verify: a diminishing deductible that rewards claim-free years by dropping $50 each year, and an A+ Superior-rated underwriter (American Modern, part of Munich Re) that speaks to financial strength. Its optional Wellness Rewards is an unusually flexible routine-care allowance. Honest trade-offs: filing a claim pauses that year's deductible drop, first-time enrollment into full illness coverage has age limits, and cancellation is by phone rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.”