Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,603

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.
1

out of 5

POSTED: | BY: customer

Misleading information led me to choose…

Misleading information led me to choose Pumpkin. 100% do not recommend this pet insurance company. Edit after pumpkin response: Interesting how you completely changed your response after I called you out on it. I’m definitely not calling no number - I’m done with Pumpkin and their shadiness and greed.
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4

out of 5

POSTED: | BY: Lynn

Since I have just received the policy…

Since I have just received the policy and haven’t reached my deductible, it’s hard to give any type of input.
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5

out of 5

POSTED: | BY: Guy

Ease of comparisons to other insurance…

Ease of comparisons to other insurance offered on the internet!
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3

out of 5

POSTED: | BY: CB

I neither like nor dislike since I…

I neither like nor dislike since I purchased and the insurance hasn't even taken effect. I'll rate once I try to use it.
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1

out of 5

POSTED: | BY: Talia Lombardi

14 day waiting period for emergencies .

14 day waiting period for emergencies .
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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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