Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,679

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: Cindy LeBrun

Worth it!

Easy, quick, and as promised! I have two dogs insured and it pays for itself! Very happy and highly recommend!
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5

out of 5

POSTED: | BY: customer

This was the first time ever having…

This was the first time ever having insurance for our pets, and also the first time filing a claim. Pumpkin Pet Insurance is an awesome company to do business with and we are so happy we chose Pumpkin for our new puppy. It was not only easy to file a claim, but the turn around time for reimbursement was super fast. Thank you very much.
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5

out of 5

POSTED: | BY: customer

Pumpkin makes is so easy to submit…

Pumpkin makes is so easy to submit claims and are quick at refunding you any money. I have been with them for 4 years and never had an issue.
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5

out of 5

POSTED: | BY: Momma Dee

Very responsive and easy to submit…

Very responsive and easy to submit claims.
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5

out of 5

POSTED: | BY: Kim

Easy Claim Process

Very pleased with my first claim from Pumpkin. My cat was not eating and vomiting for a few days, and I was concerned that he had gotten into something and maybe had blockage. I was able to take him to urgent care and get the tests needed without breaking the bank. The claim process was easy and I was reimbursed quickly. Highly recommend!
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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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