Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,661

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: Jamie C

I wish I had Pumpkin for my last dog…

Payment was so quick after submitting everything online. I thought insurance for my dog was so much more expensive but when a tech at my vet’s office told me how affordable Pumpkin was, I signed up my new dog right away. I only wish I had it for my last two dogs since both had very high medical bills at the end of their lives.
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5

out of 5

POSTED: | BY: Johnny Grice

Pumpkin Pet Insurance responds to claims promptly

Pumpkin Pet Insurance responds to claims promptly. They pay as advertised. I am very pleased with this insurance.
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5

out of 5

POSTED: | BY: Reng

Filing claim was straightforward

Filing claim was straightforward. I was kept up to date on status of the claim. What was paid was easy to interpret. Overall please so far
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5

out of 5

POSTED: | BY: Timothy Christopher

Pumpkin has been there for my cat's…

Pumpkin has been there for my cat's illness, allowing me to have the best care for her. Thank you
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5

out of 5

POSTED: | BY: Yvonne L.

Pumpkin Insurance never disappoints me…

Pumpkin Insurance never disappoints me in taking care of my furry baby. My claims are always reviewed and on time with their results. I am very happy to have chosen Pumpkin currently going on almost two years.
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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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