Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,477

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: Claire

Reimburses nothing.

Money spent on this insurance for one 1 year old dog over 2 years: $2,000+. Money reimbursed when my dog got lepto or had any ear infection or literally anything: $0 The company refers to everything as a preexisting condition (even a virus such as leptospirosis) and responds with chatGTP emails that do not address the concern presented to them.a pain to deal with. I would stay far away. You will end up losing much more money than you could ever end up spending in the case of sickness. Positive reviews are surely fake. This is a scam Follow up reply to Pumpkin’s response. I did speak with the “customer service” agents particularly one agent named Andrianna Quiñones who refused to answer my question on whether they view the virus Leptospirosis as a pre existing condition (which by the way was NOT present in anyway for a year after our insurance was instated.) Her responses were automatic replies and unhelpful. The company is very very incompetent.
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5

out of 5

POSTED: | BY: Ls

Solve the problems right away

Solve the problems right away. Be honest with customers.
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5

out of 5

POSTED: | BY: Reina

The claim process was fast

The claim process was fast, easy, and seamless.
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5

out of 5

POSTED: | BY: Ms.Dorsey

When filing for claims I never…

When filing for claims I never experienced a quick turnaround for payment until I joined Pumpkin. Thank you Team!
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4

out of 5

POSTED: | BY: Deb Fett

you have a hard to use site.

you have a hard to use site. but i just received my check soo that was fast.
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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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