Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 1,702

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: customer

I called Pumpkin and they were able to…

I called Pumpkin and they were able to give me all the information I needed to better understand my insurance plan. They are also very affordable in my opinion for my 2 cats. 5/5!
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5

out of 5

POSTED: | BY: Karen C

Best pet insurance hands down!

I've been with Pumpkin Pet insurance for many years and did a lot of research and found them to offer the best coverage. Claims are paid pretty fast. I highly recommend them!
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5

out of 5

POSTED: | BY: Carmela Del Pizzo

Thank you Kevin!!

Kevin was absolutely amazing in helping me create a plan for my two cats. He made the process so simple and smooth and was extremely thorough. Thanks Pumpkin!
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5

out of 5

POSTED: | BY: Irina C

Fair price for the maximum annual…

Fair price for the maximum annual limit; Pumpkin promptly pays 90% for all our medical bills, behavioral doctors, RX, and when required, for RX food We are glad with our choice of insurance for our fluffy baby boy
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5

out of 5

POSTED: | BY: Roshni

A million stars!

Pumpkin is top notch. The website is easy to navigate, submitting a claim is also very streamlined and organized, customer service reps are friendly and helpful. Everything feels very personalized, Pumpkin genuinely cares about the well being of your pets!
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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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