Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,340

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.3
  • Count
  • 0
  • 3
  • 1,340

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: Anne Roake

Great company although I had to wait 55…

Great company although I had to wait 55 mins to speak to a representative. My claim was settled in one week!
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5

out of 5

POSTED: | BY: Zarina Elahi

Met all my needs and covered what you…

Met all my needs and covered what you said you'd cover--thank you!
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5

out of 5

POSTED: | BY: Erin

Reimbursed appropriately for all…

Reimbursed appropriately for all submitted expenses :) I feel I have great coverage which is so important to the health and safety of my pup!
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3

out of 5

POSTED: | BY: J L Kinkade

I don't seem to be able to get an…

I don't seem to be able to get an answer about reducing my deductible. And I really hate it when I can't get a person on the phone when I call. I realize you are probably short-handed, but for goodness sake, find a way to call people back instead of expecting them to be on hold for a long time. I have been somewhat successful getting a to my question by using email, but your representative obviously doesn't know the answer. Do I REALLY have to cancel my new policy and start over? I need to have this issue resolved asap.
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5

out of 5

POSTED: | BY: customer

quick and easy claim/reimbursement…

quick and easy claim/reimbursement transaction. We loved it.
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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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