Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,476

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: customer

I never have to worry about my…

I never have to worry about my coverage, I know when I submit a vet bill we are going to be covered. It’s a real peace of mind knowing my dogs get the best care possible. The staff I have been in contact with have been super friendly and caring about my early concerns and questions. It’s been a true blessing to have you guys by my pets side.
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5

out of 5

POSTED: | BY: customer

Fantastic provider of pet insurance

Fantastic provider of pet insurance - both of my rescues are on Pumpkin insurance and we wouldn't have it any other way! Pumpkin is super easy to login, quick to look up, easy to file claims, and most most most importantly, the reimbursement experience is so humane and painless. My dog with acute kidney failure is alive and thriving now thanks to the fact that my husband and I feel like we have Pumpkin as our financial support to give her the best care she deserves.
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5

out of 5

POSTED: | BY: Stacy B

I love Pumpkin insurance

I love Pumpkin insurance. They are so kind to my princess Phoebe. I highly recommend them for your pet insurance.
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5

out of 5

POSTED: | BY: Mina Constance

Incredibly responsive and supportive

The support team is super responsive. The claim process is super easy and the team will reach out to the vets themselves if they need further proof. Didn’t expect my puppy would have so many health issues in their first year so incredibly thankful i was referred to Pumpkin. I have their preventive and accidental coverage plan and I’ll never get rid of it!
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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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