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: Elizabeth Sampson

Help for Mr. T. the bulldog. When my bulldog got sick (he is the 3rd…

When my bulldog got sick (he is the 3rd one I've had), I thought I was in for a big outlay of cash, but I had Pumpkin to help me this time. They saved me over $2500, and paid before my credit card bill came due. I didn't have to worry about money and I was able to give my boy the best care available. Worth every penny!
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5

out of 5

POSTED: | BY: Joyce

Pumpkin has been great for my fur baby…

Pumpkin has been great for my fur baby and all that has been going on with her. We adopted a dog from South Korea, and you never know what you're getting with a rescue. We've had great luck with rescues in the past, but this one was far older than advertised. Micha had lumps and bumps of an older dog and Pumpkin has fulfilled the terms of the agreement with little delay and no real hassles. I've been so happy to have them.
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5

out of 5

POSTED: | BY: Annabelle

Best Pet Insurance!

Pumpkin is the best pet insurance, hands down. No hassles in filing a claim and they are expedient in their processing. I will never use any other pet insurance for my fur babies. Thank you, Pumpkin!
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5

out of 5

POSTED: | BY: Frank Vittorio

I can't believe how quickly you process…

I can't believe how quickly you process claims. I filed a claim and had a check within 24 hours.
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5

out of 5

POSTED: | BY: customer

I have only been with the pumpkin…

I have only been with the pumpkin family for a few months. Staff has been very helpful with my needs for pet coverage and what would be best for my pet and pocket. Submitting claims were easier than I thought having limited computer knowledge and my claims were processed within 3 days max. I did enroll in the direct deposit and would highly recommend it. This was the best and smartest choice for me. Extremely happy customer...
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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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