Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,637

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: Nancykay

Highly recommend Pumpkin

Very easy claims-submission process. I've had to submit multiple claims due to our pup's liver issues & they've always reimbursed per the policy- I've not had a problem in the last several years. Additionally, the communication from Pumpkin is always very prompt. I did a lot of research before choosing this company and I've been really pleased.
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5

out of 5

POSTED: | BY: Linda W.

I am so grateful for Pumpkin

I am so grateful for Pumpkin. We had a horrible scare and surgery with our blessed pup, thank goodness Pumpkin was true to their word and policy and did not add more stress to an already sad situation.
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5

out of 5

POSTED: | BY: Diane Sutphin

Pumpkin to the rescue

I hate to see my little girl under the weather. It takes a little of the stress out of bad experience when you know that you have a great insurance company behind you. Submitting a claim is a breeze and payment is rapid. What more could you want
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5

out of 5

POSTED: | BY: Babs

Claims are so easy

Claims are so easy ! Thank you
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5

out of 5

POSTED: | BY: Ivonne Diaz

Other than having to go back and forth…

Other than having to go back and forth on the first claim full medical history for our dog, I have no complaints about Pumpkin insurance. They paid out a hefty claim which was greatly needed.
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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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