Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,642

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

We've had Pumpkin for over a year and…

We've had Pumpkin for over a year and they have only paid a couple claims. They don't even pay for spay/neutering.
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5

out of 5

POSTED: | BY: Christina

Taking care of a sick pet

Caring for a sick pet is already challenging, and the last thing I wanted to worry about was the cost of treatment. Fortunately, I didn’t have to. I felt confident moving forward with the necessary surgery and was reimbursed so quickly that I barely had time to stress about it. I never think twice when asked if I have been happy with our decision to go with Pumpkin. The answer is always a resounding yes!
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5

out of 5

POSTED: | BY: Corina M.

Easy process

Easy process to sign up my cat. I really like the online comparison to other pet insurances. Very helpful!
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5

out of 5

POSTED: | BY: customer

While we are new with Pumpkin and have…

While we are new with Pumpkin and have just submitted our first claim, I will say that the enrollment was easy with the help of Amanda.
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2

out of 5

POSTED: | BY: Deanna Bazan

I purchased my pet insurance in good…

I purchased my pet insurance in good faith. Submitted a claim that said I would receive my reimbursement within 5 days. It’s been over two weeks. I asked about it and was told they needed a medical history. All I took my pet in for was vaccinations that were needed. No medical history of illness just needed his shots to protect him. Still never received payment…
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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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