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: KAD

Quick to complete a claim and to refund…

Quick to complete a claim and to refund the money owed into your account. So far I am very pleased and have not had a problem as of yet. I’m a new member and my 7 year old lab needed knee surgery for his torn ACL and it was No hassle!
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4

out of 5

POSTED: | BY: Rick R.

Pumpkin was great at handling my claim…

Pumpkin was great at handling my claim quickly.
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3

out of 5

POSTED: | BY: customer

I could not give a review because it…

I could not give a review because it just started.
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5

out of 5

POSTED: | BY: customer elaine

I haven't had to use the insurance yet

I haven't had to use the insurance yet, so I will be able to give a better review after using it. However, I did research many different companies and felt this will suit my puppy's needs should we need it.
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5

out of 5

POSTED: | BY: Joan

So far so good

So far so good. Application process was very easy and I received my policy within 5 days. I've looked over the policy and seems pretty straight forward. There was a mix up somehow when I applied and my husbands name was used, I asked to have that fixed but my policy still came through with his name. As long as this does not cause me any issues, I'm okay with that. I am the person who takes dog to vet, etc.
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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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