Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,665

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: Keith Endow

Glad we had pet insurance & preventive care option to know Bella, our dog is the healthiest she can be.

We are glad for the quick response of the claim dept and the summary so we knew when the deductible was applied versus accepted claim reimbursement amounts. As we unfortunately had 2 major events- a coyote attack- thankfully superficial and Pancreatitis a few weeks afterwards- 2appointments for the bite- one emergency & other was scheduled.
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5

out of 5

POSTED: | BY: Customer

I’d highly recommend them!

I’ve been using Pumpkin for the past few years and they’ve been great. I’ve never had an issue with them, customer service is awesome. I always recommend them to anyone who asks where I get pet insurance
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5

out of 5

POSTED: | BY: Maria Bui

Best customer service IN THE WORLD!!!

Best customer service IN THE WORLD!!!
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5

out of 5

POSTED: | BY: customer

Informative and helpful on making a…

Informative and helpful on making a decision to become a client.
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1

out of 5

POSTED: | BY: Deborah Rios Pendleton

They tried everything to avoid paying…

They tried everything to avoid paying for our dog’s emergency surgery pulling rules out of the hat after the fact. They were brazenly rude and unprofessional in everyway—in writing through an email exchange! I was a brand new customer too with a dog with no preexisting conditions. Go with others who offer quick payment they advertise but don’t deliver on. They’re fine for rich people who have $15,000 laying around to wait for 2 weeks. This other positive review was curiously updated after mine (I can see the time)even though it was originally posted in July which tells me they put bogus positive reviews on here. We were fortunate enough to get loans and avoid putting our dog down.
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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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