Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,473

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: customer

My dog got sick was treated at our Vet…

My dog got sick was treated at our Vet I paid the bill. I submitted the bill on line for Reimbursement. No hassles I received a payment by direct deposit that I set up earlier. Great company would definitely recommend.
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5

out of 5

POSTED: | BY: Jessica

We have a 6 month old puppy and we…

We have a 6 month old puppy and we decided on a whim to get pet insurance from from Pumpkin as it was highly recommended by a friend. Weeks after beginning our coverage, we had an accident and our puppy needed emergency vet attention and surgery. Pumpkin handled our claim hassle free and the reimbursement was more than we expected. That was a huge relief especially after all that we had been through with the accident! We are recommending Pumpkin to everyone. Thank you Pumpkin!
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5

out of 5

POSTED: | BY: Victoria M.

The best pet insurance on the market

The best pet insurance on the market
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5

out of 5

POSTED: | BY: customer

Highly recommend this insurance!

My claim was processed quickly and everything that I expected to be covered was. Great customer service too. I would definitely recommend them!
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4

out of 5

POSTED: | BY: Annabel Feider

Overall I am really happy…

Overall I am really happy with my reimbursement rate and what is included with pumpkin. I have had a few issues with support overall. 1. when you chat in their systems seems to not record it as a contact so it just goes nowhere if the agent doesn't follow up. 2. the negotiation between pumpkin and my vet has been tricky at times when her preventative meds need to be refilled. 3. this is not so much support but claims take like a month to process which feels like a long time on a big claim.
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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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