5
out of 5
POSTED: | BY: NICOLE
Was with nationwide
Was with nationwide, now with pumpkin because if more comprehensive coverage.
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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
1
out of 5
POSTED: | BY: Your Daddy
I purchased pet insurance with Pumpkin…
I purchased pet insurance with Pumpkin on 2/16/2023. I had an issue where my dog would not eat on 3/2/2022 and took her to the ER. I filed a claim with pumpkin and they denied it. Their reason stated was for a pre-existing condition. How not eating is a pre-existing condition blew my mind. They also said they needed vaccination records for 12/2022 when she was vaccinated on 11/2022. All they did was try to find a reason to deny my claim. I wouldn’t recommend anyone purchase pet insurance at Pumpkin. Will they use this situation to call everything a pre-existing condition now.
5
out of 5
POSTED: | BY: Irene H
Easy to chose and easy to understand…
Easy to chose and easy to understand and know what you’re getting. Priced reasonably too
1
out of 5
POSTED: | BY: customer
HORRIBLE..HORRIBLE...HORRIBLE!! BUYER BEWARE!!!
HORRIBLE..HORRIBLE...HORRIBLE!!! TOTALLY MISLEADING!!!!
Been with Pumpkin for 3yrs...My rates and deductible have gone up since day one....from around 70 to now over 100 dollars and my deductible has DOUBLED!!...all while having the SAME EXACT PLAN!!
I scheduled my dog for a NEW WELLNESS exam because she was seeing a NEW VET for the FIRST time. My previous vet closed her practice.
This new vet is 45min away, so I also scheduled for my pup to have her CYTOPOINT shot at the same time while I was there so I did not have to come back again just for a shot. I had all her previous records and my dog was NOT sick, but needed her first and initial exam at her now NEW vet.
MY CLAIM for the exam was DENIED because PUMPKIN claims that this was a 'sickness exam' only because she happened to have the cytopoint shot while she was there. SHE was NOT sick...and the exam was NOT to examine or determine a SICKNESS...IT WAS A WELLNESS CHECKUP/EXAM ONLY for being at a brand new practice!! I understand that the shot itself was related to an allergy, but that does NOT automatically deem her EXAM a SICKNESS EXAM.
In order for this exam to have been covered...I would have to have gone one day for her exam....then go right back another day for a cytopoint shot. So the expectation is for pumpkin customers to make two separate 45min there and back trips in the same week for something I could do in one trip just so they can't state I was there for a 'sick exam'.
ABSOLUTELY RIDICULOUS!!!
What's worse...is this SAME instance has occurred previously which they DID cover and NOW are singing a totally different tune.
Not only is pumpkin completely irrational with their claim denials...but also completely inconsistent with the reasoning for them as well!!!
This company was great at first...and even had quick response to claims WITH reasonable payouts.
BUT BEWARE....this is how they HOOK YOU IN!!!
AWFUL..AWFUL...SHAMEFUL company. Would NOT recommend to ANYONE!!
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.
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.