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: Happy customer

We love Pumpkin

We love Pumpkin! The claims process is so easy and usually paid out within a week. We have no complaints. Premiums seemed pretty comparable to other insurance.
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4

out of 5

POSTED: | BY: Colleen Stiffler

Everything has been good but always…

Everything has been good but always room for improvement.
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5

out of 5

POSTED: | BY: Candace

Fast and Easy

When my dog got attacked by a pit bull, it was, of course, very stressful. What I DIDN’T worry about was filing a claim. It was fast and easy to do and the claim was processed very quickly. My dog is doing much better too.
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5

out of 5

POSTED: | BY: customer

I’m always happy with Pumpkin

I’m always happy with Pumpkin. Every submitted claim is pay very quickly. I never have had any problems.
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5

out of 5

POSTED: | BY: Ruby’s mom

Saving fur baby

This insurance is so helpful with taking the best care of your fur baby as possible. Thank you so much, pumpkin insurance. I couldn’t have done it without you.
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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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