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.
5

out of 5

POSTED: | BY: Rose Mikalonis

Easy to set up and customizable

Pumpkin made picking out pet insurance way easier than I expected it to be. I really appreciate that they allow you to "mix and match" annual coverage total and deductible amounts before finalizing your choice. It allowed me to weigh my financial options while ensuring that I had the best coverage option for my pup. And never in a million year was I expecting my pup to receive a welcome package in the mail. That personal touch really did make all the difference and solidified that I had made the right choice going with Pumpkin.
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5

out of 5

POSTED: | BY: GAIL LUBIN

The coverage options were just what I…

The coverage options were just what I was looking for and the fact that Pumpkin can deal directly with my vet was a big plus.
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4

out of 5

POSTED: | BY: Jen holtzapple

Easy to navigate the on line system

Easy to navigate the on line system
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5

out of 5

POSTED: | BY: customer

Submitting a Claim…

It was very easy and quick to submit a claim to Pumpkin.
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5

out of 5

POSTED: | BY: Julie S.

The sign up experience was easy

The sign up experience was easy, and self explanatory. Looking forward to the future with Pumpkin.
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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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