Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,642

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.
2

out of 5

POSTED: | BY: Larry Thompson

I'm not even sure my dog is insured…

I'm not even sure my dog is insured with you. I filled out everything and put in my credit card number; but, I have gotten nothing supporting coverage.
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5

out of 5

POSTED: | BY: Barbara Luperi

Nice and knowledgeable.

Nice and knowledgeable.
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5

out of 5

POSTED: | BY: Lmassey

I just signed up and have not used your…

I just signed up and have not used your service yet, but your signing up was easy and the cost and coverage seems great.
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5

out of 5

POSTED: | BY: Carol Ames

Ease of Filing a Claim

I was undecided about which pet insurance to get for my new puppy. The veterinary clinic I went to had pamphlets about Pumpkin Pet Insurance so I took one and read it. I signed up for the insurance after reading it covered so many things for new puppies. My puppy got an exam and one vaccination. I paid for it and sent a copy of the bill to Pumpkin. They deposited the full amount into my bank account within a few days. I’m very happy with the turnaround time and ease of turning in the claim.
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5

out of 5

POSTED: | BY: Jennifer S. Ohio

So far it has been quick and easy

So far it has been quick and easy. Only confusion is I added plan that includes wellness checkups and shots but it’s not clear that I have that on the paperwork mailed.
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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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