Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,425

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.
4

out of 5

POSTED: | BY: Ben Pike

Good experience but very costly…

Good experience but very costly insurance especially considering they don’t cover pre existing.
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5

out of 5

POSTED: | BY: Garry Warner

Haven’t had to use you yet so don’t…

Haven’t had to use you yet so don’t have any experience yet.
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5

out of 5

POSTED: | BY: Jack Klimp

Pumpkin Insurance

Pumpkin responded quickly with a policy. I have not yet made a claim against it.
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5

out of 5

POSTED: | BY: Elizabeth Petroff

Good policy

Good policy. I just found a different one that fitted my needs better. Customer service was great. Really helped refund me. They're not a bad insurance company. They are good.
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5

out of 5

POSTED: | BY: Cosmo’s mom

Skeptical at first, but exceeded my expectations!

It took a bit to get connected which had me concerned. When I was connected to a veterinarian, I was super happy with the information provided. She was thorough with her responses and answered every question I had. It was nice that Pumpkin sends texts to let you know when you’ve been connected and the conversation afterwards so that I could go back and reread for any over the counter medications I needed and directions. Very please with the help I got at the price I got it!
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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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