How to Cancel Pumpkin Pet Insurance in 2026

Pumpkin Pet Insurance costs $20-70/month depending on your pet's age, breed, and coverage level. Cancellation is relatively painless — email or call — but you need to handle a few things first so you don't lose money.

How to Cancel Pumpkin (2 Methods)

Method 1: Email (Easiest)

Email help@pumpkin.care with your cancellation request. Include:

• Your full name
• Your policy number (found in the app or policy documents)
• Your pet's name
• Effective cancellation date

Method 2: Phone

Call 1-866-726-7746 during business hours. The call is quick — Pumpkin doesn't use aggressive retention tactics like some insurers.

Before You Cancel: Important Checklist

• Submit pending claims first. You typically have 270 days to submit claims from the date of service, but it's easier to do this while your policy is active
• Check for pending reimbursements. Make sure any approved claims have been paid out before cancelling
• Review your waiting periods. If you switch to another insurer, most have 14-day accident and 14-30 day illness waiting periods. Consider overlap
• Pre-existing conditions. Any conditions your pet develops while on Pumpkin become pre-existing if you switch insurers. This is the biggest cost of cancelling pet insurance

Pumpkin's 30-Day Money-Back Guarantee

If you signed up within the last 30 days, you're eligible for a full refund as long as you haven't filed any claims. This is standard across most pet insurance providers.

How Pumpkin Compares to Other Pet Insurance

• Pumpkin: 90% reimbursement, $100-$500 deductible, optional wellness plan. $20-70/month
• Lemonade Pet: AI-powered claims, faster payouts. $10-50/month. Good for younger, healthy pets
• Healthy Paws: No annual or lifetime limits. Higher premiums for older pets
• Embrace: Diminishing deductible, good wellness add-on. Similar price range
• Self-insure: Put $50/month into a dedicated savings account. After 3-4 years, you'll have enough to cover most emergencies

Is Pet Insurance Worth It?

The math is straightforward: the average pet insurance customer pays $500-800/year in premiums and files $200-400/year in claims. Insurers wouldn't exist if most people got back more than they paid in.

Pet insurance is worth it if:

• You have a breed prone to expensive conditions (hip dysplasia, cancer, heart disease)
• You couldn't afford a $5,000-10,000 emergency vet bill out of pocket
• You want peace of mind and predictable monthly costs

If your pet is healthy, young, and you have savings, self-insuring often works out cheaper in the long run.