Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,473

Pumpkin is a pet care company on a mission to make the best pet care possible fur all. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives.
5

out of 5

POSTED: | BY: Deb B

I reviewed many insurance…

I reviewed many insurance companies.....and eventually went with my vet's recommendation. A good one.
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5

out of 5

POSTED: | BY: Rene Castro

Amazinng Experience!

We've had a couple of major procedures done to our Lab and there has never been an issue with getting our claim paid. From submitting online to the payment process, everything has been seamless and quick. Very pleased we chose Pumpkin and so is our dog!
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5

out of 5

POSTED: | BY: Carolyn Manaugh

The best possible experience if you have a question or a claim

One of our cats had a mysterious illness. Tests were inconclusive and she slowly got better. We submitted 4 claims that were paid promptly. Prior to submitting the claims, I had questions and called customer service. It was refreshing that the person on the other end of the conversation was polite, well spoken, knowledgeable and had a sense of humor. We can recommend Pumpkin highly!!
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5

out of 5

POSTED: | BY: D Favreau

Pumpkin paid 90 percent for chipping my…

Pumpkin paid 90 percent for chipping my dog and they paid right away after receivingthe bill.
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5

out of 5

POSTED: | BY: customerArthur Annweiler

Great Help From The Agents!!

The agents that I talked with during my first year with Pumpkin was a very pleasant experience. I was concerned about the length of time it took to process my claims. Everyone that I talked with was friendly,knew what they were doing and helpful. In fact, my talks with the agents was the main reason that I renewed for another year with Pumpkin.
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Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Payout Limits

Annual limits of $10,000, $20,000 or unlimited for dogs and $7,000, $15,000 or unlimited for cats.

Deductible

3 options: $100, $250, $500 and $1000

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Insurance coverage begins 14 days after your policy begins for all conditions, including knee/ligament issues where some other policies make you wait 6 months for coverage. No waiting periods for preventive care (in fact, depending on when you received the care, you may be eligible for a retroactive refund).

Exclusions

Pre-existing conditions are not covered. However, unlike some other pet insurances, Pumpkin’s plan covers some curable pre-existing conditions if symptom-free for 180 days, with the exception of knee and ligament conditions. For full terms, visit pumpkin.care/insurancepolicy.
Pumpkin Pet Insurance detail
About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells.   Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration.   Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.
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