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: Darren Burtenshaw

We love Pumpkin

Pumpkin walked me through the process, turning in forms, waiting on underwriting, etc. The staff were always kind and informative. I don't know what I would have done without Pumpkin, Eros my Frenchie is so happy with his care. We love Pumpkin.
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5

out of 5

POSTED: | BY: Dan Witcher

Fast payment

Awesome peace of mind and fast payment. A+++
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5

out of 5

POSTED: | BY: Kathy

Fast claim processing and reimbursement.

Fast claim processing and reimbursement.
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5

out of 5

POSTED: | BY: Rob DeRosa

Sweet Pumpkin

Pumpkin has consistently processed claims for my Little Roxy girl and in a timely manner. As a senior person on a fixed income this is quite helpful to Roxy & me.
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5

out of 5

POSTED: | BY: Customer

Pumpkin stellar customer service and comprehensive plans

When making a decision on health insurance for my dog I called multiple companies and spoke to many representatives. When I spoke to the representatives at Pumpkin, they were incredibly personable, knowledgeable and friendly. Each was able to shed light on specific aspects of the policies and able to answer my questions fully. When I chose Pumpkin I stayed on the phone with one representative and she was able to confirm the submission of my documents as well as assist me in navigating the portal online as I was familiarizing myself with it.
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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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