Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,929

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: Linda Francis

Pumpkin is fast and easy!

I paid my bill at the vet for $278. It was for a wellness visit ( his first) and I sent a picture of the bill to Pumpkin. In about 10 days I received a check for $177 which is perfect. The $100 difference was for a 2nd shot (they pay for 1) and they paid the most expensive shot....plus my baby needed flea meds so I got them there and thats the other $100. I am very happy with my 1st experience with Pumpkin.
5

out of 5

POSTED: | BY: David Gomez

Quick reply and prompt service.

Quick reply and prompt service.
5

out of 5

POSTED: | BY: Leonette Bullock

Very efficient

Their claims department is quick and efficient. They were fast with review and made the process very easy. They even offered me a session to speak with someone directly.
5

out of 5

POSTED: | BY: ts

easy. simple.

easy process. quick response. no hassle.
5

out of 5

POSTED: | BY: NishanU

The best Pet insurane

The claims were promptly and professionally processed as outlined in the policy. What Pumpkin insurance says in the policy that's exactly how the claims are processed in matter of days. No ifs and buts and no run arounds. Best pet insurance experience we ever had.

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.
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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