Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,645

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: Finn the Boston Terrier

Great Insurance

Great website, ease of sumbmission, and great coverage and reimbursement. Timely response also.
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5

out of 5

POSTED: | BY: Bill

Quickly completed

Easy to file. Claim was completed very quickly.
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5

out of 5

POSTED: | BY: D. Lemley

This was the first time I filed a claim.

This was the first time I filed a claim with Pumpkin. The process is a bit cumbersome as each receipt must be filed on a separate form. However, credit of expenses to my deductible and a check submitted for the excess balance of eligible claims was quick and accurate.
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5

out of 5

POSTED: | BY: Ask a Lawyer On-Call Customer

This company stood firm by theirl word…

This company stood firm by their word and repaid the money I spent on an illness my pet has. It is ongoing but they are loyal. Debbie Hughes
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5

out of 5

POSTED: | BY: Samantha T

Pumpkin is the BEST for your pet

We have used Pumpkin for our dog for a few years now, and every year I am so thankful to have them. This year we had an expensive emergency vet visit and the cost was 90% reimbursed. They are always quick and reasonable and every time I have had to deal with staff they are friendly and informative. It has paid for itself and given us peace of mind, and the opportunity to give our dog the best life he can have. Every time we have needed help, Pumpkin is there. Thank you Pumpkin!
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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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