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.
5

out of 5

POSTED: | BY: Bill R

Very easy to sign up online

Very easy to sign up online. Had the best pricing for the coverage provided. Upgraded to add shots and checkups. We know our adopted baby will be well taken care of. Thank you.
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5

out of 5

POSTED: | BY: CESAR

So far it's been great!

So far it's been great!
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5

out of 5

POSTED: | BY: Victor Greenfield

Easy to do and no pressure.

Easy to do and no pressure.
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1

out of 5

POSTED: | BY: Kimberly

Awful experience-Stay Away

Awful experience! Pumpkin works exceptionally hard to find a way to make something out to be pre existing even when the link is incredibly tenuous. It’s taken months to get denied and then months more to go through appeals. Our incident was in December, it’s now May. They never reached out to our vet as requested for explanation when we appealed so we had to appeal again. We had to do all the leg work for them and all to no avail. Thoroughly disgusted and disheartened. I have never, in decades of animal ownership and years of insurance, seen a company work so hard to deny.
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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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