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: customerE. Derby

Pumpkin customer service is very good

Pumpkin customer service is very good. Also, payment on claims is prompt. I am very happy with Pumpkin!!
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5

out of 5

POSTED: | BY: Sheila Housley

Contacts

The contacts knew their information and were friendly and very professional. Great company to deal with. Keeps their word.
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5

out of 5

POSTED: | BY: customer

Helpful and transparent

I purchased Pumpkin pet insurance at the beginning of 2024. Their pricing was transparent and it was very easy to submit claims. My dog ran into some very unexpected health issues and ultimately passed away due to the issues. Pumpkin staff was kind, compassionate, and helpful in providing information about cancelling the insurance plan. Without being asked, they shared that insurance can be used to cover euthanasia and cremation costs. Pumpkin sent condolence emails and a memorial item in remembrance of my dog. I will absolutely use Pumpkin in the future when I am ready for another pet.
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5

out of 5

POSTED: | BY: Ginger

Pumpkin is worth every penny they…

Pumpkin is worth every penny they process the claims quickly and everything is done with great ease online.
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5

out of 5

POSTED: | BY: Abby's Human

Super easy and basically straight forward

We've had a couple of dog insurance policies in our decades of owning dogs and this is the first time it has actually been easy!
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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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