Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,773

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: Beverly Cronin

Prompt reimbursement

I have the wellness plan for my 2 year old Jack Russell Micah and opted for the direct deposit reimbursement. He was seen by my vet 12/25, I submitted the claim on line 12/27 and the money was in my account 12/30. Pumpkin was recommended by my vet and I am very glad I enrolled him in the wellness and illness/injury policy.
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5

out of 5

POSTED: | BY: customer

Service was fast and easy to file my…

Service was fast and easy to file my claim great coverage too
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5

out of 5

POSTED: | BY: Litchfield Gardener

Simply the best!

I’m grateful to Pumpkin for your support and for your generous response to my claims. Very glad I chose Pumpkin. Thank you!
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5

out of 5

POSTED: | BY: customer

They have processed and paid our claims…

They have processed and paid our claims quickly. The submission process is easily accomplished online.
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5

out of 5

POSTED: | BY: itsmeinaz

It's security

I know I pay a premium for it, but the reimbursement is good. I feel some comfort knowing that money won't get in the way of caring for our pet.
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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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