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.
4

out of 5

POSTED: | BY: DIANA CRAIG

It was ok

It was ok, a bit upsetting because I had issues logging in on computer. I had to use my phone after I received a code number from the assistant.
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5

out of 5

POSTED: | BY: Maureen Zonts

Customer service very friendly and…

Customer service very friendly and knowledgeable
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5

out of 5

POSTED: | BY: Warren S.

Pumpkin takes the guesswork out of pet care.

I am new to Pumpkin and have found the customer service excellent. I feel much more confident about having a new puppy knowing she has insurance.
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5

out of 5

POSTED: | BY: Karen

Good coverage, good prices

Answered all my questions and helped me set up just the type of policy I needed for Harry.
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3

out of 5

POSTED: | BY: customer

Check fine print

Registration for new insurance is set up to run smoothly. Filing a claim was easy and was handled quickly with a check already on its way. However, do be sure to read the fine print of the Wellness/Preventative insurance. We had a number of costs for our new puppy to get him "up and running". Our vet has a puppy plan that we purchased for $300, and we added on some immunizations to that too, reaching about $400 for the first visit (all eligible for reimbursement). We were only reimbursed the amount we spent annually on the wellness insurance (so...cut even on purchasing the insurance, which is not the point of purchasing insurance), and I checked and found fine print that if a vet offers a "puppy plan" bundle, they only reimburse up to the yearly fee. They may have a good reason for this, but it does not instill trust for future claims.
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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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