Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,425

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: Becky H

Wonderful customer service and response…

Wonderful customer service and response time! Such a great company, so glad my vet recommended them when I first got my puppy.
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5

out of 5

POSTED: | BY: customer

The preventive health program is well…

The preventive health program is well worth it. All claims easy to submit. But learned I need to ask for more then just a bill for a regular claim not preventive. Need notes
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5

out of 5

POSTED: | BY: Christine Maffei-Greco

A professional and caring insurance company

This is truly the most professional and customer focused insurance company I have ever worked with. Their plans are comprehensive and reasonably priced. Every representative I have interacted with has been knowledgeable and responsive. The info provided has been correct and the claims process is very straightforward. I have recommended Pumpkin to everyone I know with pets. Most important when you are dealing with a very stressful time, they genuinely responded with concern and kindness.
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5

out of 5

POSTED: | BY: Lillian Martin

Jinx, my baby boy!

My baby boy, Jinx could have cost me into the thousands if not for having Pumpkin Insurance on our side. He suffers from allergies. We tried a round of shots to help him build up his immunity, but it didn’t seem to work. Thank you so much, Pumpkin Ins. Lillian
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5

out of 5

POSTED: | BY: customer James

Pumkin responded quickly

Pumkin responded quickly, with detailed reports. Pumkin is everything it's advertised.
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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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