Pumpkin Pet Insurance Review (2026)
Pumpkin offers accident-and-illness pet insurance with generous coverage and a focus on comprehensive protection, including for older pets and dental.
What Pumpkin covers
Pumpkin covers accidents, illnesses, diagnostics, surgeries, dental illness, and behavioral issues, with high reimbursement options. A separate Preventive Essentials package (not insurance) covers routine vaccines and wellness items.
Pros
- Comprehensive accident-and-illness coverage
- Covers dental illness and behavioral conditions
- Good option for older pets
- Optional preventive package for routine care
Cons
- Premiums can be higher than budget insurers
- Preventive care is a separate package
- Pre-existing conditions excluded
Who Pumpkin is best for
Owners wanting broad, comprehensive coverage, including for senior pets.
How Pumpkin compares
Premiums and coverage vary by pet, breed, age and your state — see how Pumpkin stacks up against other insurers in our full comparison, or check average costs in your state.
Is Pumpkin good for older pets?
Pumpkin is often chosen for senior pets thanks to its comprehensive coverage.
Does Pumpkin cover dental?
Dental illness is covered under the insurance; routine cleanings are part of the optional Preventive Essentials package.