Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,311

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 3.0
  • 4.3
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  • 3
  • 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: Anonymous Customer

So glad I purchased Pumpkin insurance!

I purchased Pumpkin insurance for my kitten in 2020. A little over a year later, my cat decided to eat a foam earplug. I immediately rushed him to an emergency vet, knowing I did not have to have the money for an expensive vet bill but I thankfully had insurance! The vet performed X-rays and an endoscopy to remove the ear plug, which costed over $1k. I submitted the claim within 24 hours and Pumpkin kept me informed about updates to my claim throughout the entire process. My claim was processed within 2 weeks, and thankfully Pumpkin covered 90% of the total bill! Such a relief to have the security of great pet insurance! Highly highly recommended!!!
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5

out of 5

POSTED: | BY: Terri Stevens

Pumpkin is very good in keeping you…

Pumpkin is very good in keeping you updated on what is going on with your claims. Their turn around is pretty good. I am happy with the coverage plans and they cover a wide variety of things including my dogs allergy medications. This is a huge help.
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5

out of 5

POSTED: | BY: customer

I am constantly at ease knowing my…

I am constantly at ease knowing my kitty is under such great care with Pumpkin. I had one very unforeseen emergency incident and having her insured made the situation much more bearable. I recommend every pet owner to you guys!
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1

out of 5

POSTED: | BY: Stephanie Basey

Worst pet insurance ever!

If I could give no stars, I would! I have paid $141 a month and each time I submit a claim, they deny it claiming pre existing conditions my dog has not ever had! Even my vet did not understand what pre existing condition they were talking about, but they will literally not pay what they are responsible for. I canceled with them and I regret the money wasted, paying for a service they refuse to provide. SHE HAS NO PRE EXISTING CONDITIONS! Oh, and they encourage you to file an appeal, but what they don’t tell you is you will file an appeal and go months without hearing anything. This company is a scam and I am convinced the positive reviews are fake.
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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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