Pumpkin offers low deductibles and an unlimited annual payout option that’s rare at its price. Here’s whether it deserves a spot on your shortlist.
Pros
- Deductibles as low as $100
- Unlimited annual payout option available
- 90% reimbursement on all plans
- Covers dental illness and exam fees
Cons
- Wellness is a separate non-insurance package
- Fewer customization tiers than some rivals
- Newer brand with shorter track record
In this review
Who Pumpkin Is Best For
Pumpkin is a strong budget-conscious pick that still offers an unlimited payout option — great if you want high protection without a premium price.
Pricing
Competitive, often around $45–$65/month for dogs. The unlimited annual payout option is unusually affordable here.
Coverage
All plans reimburse at 90% and cover dental illness and exam fees. Routine care comes via a separate (non-insurance) wellness package.
Claims Experience
App-based claims with generally positive customer feedback. Reimbursement is straightforward.
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Frequently Asked Questions
Is Pumpkin pet insurance good?
Yes, especially for budget-minded owners who still want strong coverage. Its low deductible and unlimited payout option stand out.
Does Pumpkin have an unlimited payout?
Yes, Pumpkin offers an unlimited annual payout option, which is rare at its price point.
Does Pumpkin cover dental?
Yes, it covers dental illness (not just accidents), plus exam fees, on its standard plans.
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