Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,718

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.
4

out of 5

POSTED: | BY: Kimberly Wilson

Great customer service

I have an older cat and they gave me serious tips, encouragement, and and they were very understanding in my views. I had already done extensive research on the topic, and the gentleman that I spoke to not only nailed all the upsides of having Pumpkin (or any pet insurance really), but answered all the questions that I already knew the answer to from my own research. Their prices are decent. The wellness and prevention package is kinda lousy, no lie, but meh, I still got it.
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5

out of 5

POSTED: | BY: Lauren

Great policy for my senior rescue dog

Great policy for my senior rescue dog - coverage is accurate! Customer service is friendly and helpful! Very pleased with Pumpkin’s services.
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5

out of 5

POSTED: | BY: Shari B.

Great customer service

The website contains very useful information, but I still had some questions. I sent in an email, and within a couple of minutes(!), I received a very thorough response. As soon as we adopt another dog, I will very likely sign up for insurance and the preventative care program. The customer service is excellent.
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5

out of 5

POSTED: | BY: customer

Smooth experience submitting and…

Smooth experience submitting and completing claims
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5

out of 5

POSTED: | BY: customer

Feeling secure

It was a very easy process with simple options to make my decision. I feel more comfortable now, that I have pet insurance, just in case an emergency or something catastrophic happens to my 4 legged furry child I know it’ll be less taxing on the wallet while getting the best medicine / treatment for him
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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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