Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,621

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.
1

out of 5

POSTED: | BY: Shirin Ighani

I would give them a zero star rating

I would give them a zero star rating. I paid thousands of dollars and when it came to submit for a claim they indicate it’s pre existing conditions or the deductible of $500 has to. E met each year. Well if you think about it you never get them to pay especially if your pet see a vet once a year for routine check up and due to the yearly deductible they never pay you back.
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5

out of 5

POSTED: | BY: Victoria

Excellent Pet Insurance Company!

We have had Pumpkin as our pet insurance provider for our two Chihuahuas for a few years now, and we are so glad that we chose Pumpkin. One of our Chihuahuas, Wyatt, broke one of his toes on his paw, and it was an extensive and long healing process (6+ weeks). Pumpkin was there every step of the way for us. Pumpkin’s representatives were so kind, friendly, and compassionate to us. They paid all of his claims promptly. We really appreciated them. They also have paid claims and assisted us with our other Chihuahua, Ambrose, when he has had an illness here and there. Our previous pet insurance company was second rate compared to Pumpkin, and we are so glad we made the switch! Thanks Pumpkin! I highly recommend them for your pet insurance needs.
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5

out of 5

POSTED: | BY: Tommy Lynch

Everyone is really nice over the phone…

Everyone is really nice over the phone and they are pet centered. Submitting a claim is very easy and the turn around time is quick. They also tell you what was reimbursed or not which is very awesome.
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4

out of 5

POSTED: | BY: Gilda Williams

The coverage is high but I still choose…

The coverage is high but I still choose to enroll my pet since it’s my pet veterinarian recommended it
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5

out of 5

POSTED: | BY: Sara Lee

I feel it is very important to have…

I feel it is very important to have good insurance for my pet and your plan fit what I was looking for. Enrolling was an easy process, and everything was explained clearly.
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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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