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Carriers we currently compare: Pumpkin.
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Pumpkin Pet Insurance Review
4.4 / 5Strong multi-pet value with big annual limits
Accident and illness plans with high annual limits, plus an optional preventive care pack that refunds routine wellness costs. Popular with households insuring more than one pet.
from $20/mo
80%
$100 - $1,000
14 days for accidents and illnesses
$10,000 - unlimited
Dogs and cats only
Our approach
How we analyzed pet insurance
Coverage
Broader coverage with fewer exclusions scores higher: hereditary and chronic conditions, dental illness, exams, and exotic species where offered.
Cost
Sticker price is a poor signal. We weigh the interplay of premium, deductible choices, reimbursement rate and annual benefit cap.
Waiting periods
Shorter accident, illness and orthopedic waiting periods mean your policy actually protects you sooner after you buy.
Claims and service
How fast claims are paid, whether direct vet payment is available, and how reachable support is by phone and app.
What vet bills actually cost
These are typical US treatment ranges. With an 80% reimbursement rate and a $250 deductible, a $4,000 bill usually comes back to you at roughly $3,000.
| Treatment | Pet | Typical cost |
|---|---|---|
| Emergency surgery (foreign body removal)Dog | Dog | $3,000 – $7,000 |
| Torn cruciate ligament repair (TPLO)Dog | Dog | $3,600 – $4,300 |
| Cancer treatment with chemotherapyDog or cat | Dog or cat | $3,200 – $8,000 |
| Urinary blockage treatmentCat | Cat | $1,500 – $3,000 |
| Hip dysplasia surgeryDog | Dog | $3,500 – $7,000 |
| Diabetes diagnosis and first year of careCat | Cat | $1,200 – $2,500 |
| Emergency exam, imaging and overnight stayExotic pet | Exotic pet | $1,200 – $3,800 |
| Beak, wing or shell repairBird or reptile | Bird or reptile | $400 – $1,500 |