Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,499

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

Best pet insurance!!!!

I am so satisfied with pumpkin pet insurance and how quick and easy it is to process a claim. Reimbursements have been sent to me faster then I expected and appreciate that tremendously! Agent that help with questions and concerns have been extremely helpful, understand and empathetic. I truly love pumpkin pet insurance and all the employees I have dealt this thus far. I would recommend pumpkin pet insurance to anyone that has a furry friend! Mahalo again for all you folks do!!
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5

out of 5

POSTED: | BY: Darla’s mom

Best decision I’ve ever made.

Best decision I’ve ever made.
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5

out of 5

POSTED: | BY: Tecla Mrs

Sudden spleen removal

My dog suddenly had to have her spleen removed! She's never had any medical concerns, and has aways been a vigorous, active, healthy dog. So, I was devastated to get this news, and worried about the 15k surgery cost! I was a brand new customer to Pumpkin, and they were exceptional to deal with! The surgery was a success, and Pumpkin was extremely easy to deal with. I just uploaded her medical records to their website, and my claim was approved within 14 days, with a 90% payment wired to my bank account! Thank you to the great members of the Pumpkin team who were kind, knowledgeable and helpful! Kelly Martinez
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5

out of 5

POSTED: | BY: Anna L

Pumpkin is great

Pumpkin is a great, hassle free insurance. They don’t make any fuss over cases. They don’t increase fees or drop you if you used them like the case may be for different insurances for people. All my 3 kitties are safe with Pumpkin and I would definitely recommend them to anyone who has cats or dogs.
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5

out of 5

POSTED: | BY: Keith Endow

Glad we had pet insurance & preventive care option to know Bella, our dog is the healthiest she can be.

We are glad for the quick response of the claim dept and the summary so we knew when the deductible was applied versus accepted claim reimbursement amounts. As we unfortunately had 2 major events- a coyote attack- thankfully superficial and Pancreatitis a few weeks afterwards- 2appointments for the bite- one emergency & other was scheduled.
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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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