Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,686

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

Pumpkin does an excellent job…

Pumpkin does an excellent job processing claims! The process is easy & claims are completed quickly.
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5

out of 5

POSTED: | BY: KATHY FAHERTY

First time

I am new to Pumpkin, but filing my first claims was a breeze and my refund went directly to my checking account.
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5

out of 5

POSTED: | BY: Anita Lungari

We love Pumpkin

We love Pumpkin, claims are done fast, customer service is friendly and very helpful
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5

out of 5

POSTED: | BY: Kimberly

Very easy process filing a claim and…

Very easy process filing a claim and quick response
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5

out of 5

POSTED: | BY: customer

Happy with Pumpkin

I went with Pumpkin when our lab was a puppy. He started having seizures a couple months later and now it’s so comforting to know we don’t have to worry about high vet bills every time we take him (which has been a lot)! And it’s been nice when small unexpected things occur, too, such as an ear infection. The claim process has been fast and easy, with a direct deposit into our account. Thankful we chose Pumpkin!
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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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