4
out of 5
POSTED: | BY: BECKY
I thought you'd pay more of the bill…
I thought you'd pay more of the bill than you do or maybe my vet is higher in cost.
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4.3
out of 5
Number of reviews 1,311
Updated: May 29, 2024
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: Teresa
Highly recommended!
I used the insurance when my Australian Shepard tore his ACL. I was expecting the claims process to be slow and difficult. I’m happy to say it was very easy and I was reimbursed super fast. I highly recommend Pumpkin! I researched for a while before I finally purchased, I’m glad I chose Pumpkin!
5
out of 5
POSTED: | BY: customer
Pumpkin does an excellent job…
Pumpkin does an excellent job processing claims! The process is easy & claims are completed quickly.
5
out of 5
POSTED: | BY: KATHY FAHERTY
First time
I am new to Pumpkin, but filing my first claims was a breeze and my refund went directly to my checking account.
5
out of 5
POSTED: | BY: Anita Lungari
We love Pumpkin
We love Pumpkin, claims are done fast, customer service is friendly and very helpful
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.