Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,696

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: Suzanne

A very wise and beneficial investment

I have had many dogs and cats throughout the years but never invested in insurance for them. I decided to enroll with Pumpkin Insurance for my Belgian Mallinois this past year because I had the means to do so. I am so grateful that I did it because my dog got very seriously ill. Pumpkin has been wonderful…they are absolutely a legitimate company. They have done exactly what they advertise. I couldn’t be more pleased.
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5

out of 5

POSTED: | BY: Bonnie M

Easy to place claims and quick.

Easy to place claims and quick.
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2

out of 5

POSTED: | BY: Merridy Gersten

I was extremely disappointed that my…

I was extremely disappointed that my claim for my cat’s spaying was not considered for insurance. I have heard that getting them spayed is essential in keeping them well. I have an extended policy for preventative health and this was not included. I feel that this is a scam.
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5

out of 5

POSTED: | BY: customer

Quick and Smooth transactions

Quick and Smooth transactions
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5

out of 5

POSTED: | BY: K Collins

great and dependable insurance company

as I have had this policy for three years I didnt have to use it until this year my animals have been very healthy and well. as the years add up with my dog Lexi she has not had a good year. an enlarged heart and major stomach issues that require her a strict diet and watchful care of the vets. this insurance company has been nothing but helpful and quick to follow through with all the claims. I recommend this company to my friends and family all the time and I don't think they understand the need for pet insurance the way I do.
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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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