Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,695

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.
2

out of 5

POSTED: | BY: Shanelle

Long time for repayment

One of the reasons I chose this insurance (there were many) was the quick turn around. The first preventative claim I put in, the money was in my account very quickly, easy peasy. This time I have waited exactly one month and my claim is still "in review". I understand everyone is probably back logged, but I feel like that should be said in the buying process. I went to the emergency vet and spent the money knowing I would get it back in a timely manner like they said, but there has been no change for a month in my claim status
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3

out of 5

POSTED: | BY: Laura

It almost a month to get approval for…

It almost a month to get approval for dental surgery. We believe the approval amounts are fair but wish we could have gotten it sooner.
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5

out of 5

POSTED: | BY: customer

hassle free claims

hassle free claims, pumpkin claim process is fast and easy to use.
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3

out of 5

POSTED: | BY: Customer

It took a little while to get…

It took a little while to get reimbursed which is fine . My dog Nash had an illness and was treated at an animal hospital and then at his veterinarian as a follow up for the same illness I got reimbursed for the animal hospital visit but never got anything from the vet visit which was included in the same claim . It cost about $400 for the meds and vet visit .
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5

out of 5

POSTED: | BY: Frank A.

Our new pup Argo had a routine exam

Our new pup Argo had a routine exam. I’ll I had to do was send a pic of our receipt and Pumpkin promptly covered the cost. We’re very satisfied.
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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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