Pumpkin | Pet Insurance Review

4.6

out of 5

Number of reviews 1,502

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: Linda

We love Pumpkin Insurance

Pumpkin Ins. is awesome. We have had nothing but positive experiences. Our Frenchie had spinal surgery last year and our Boston had rectal surgery this year. Pumpkin has supported us all the way. Vet bills are horrible these days. So if you have pets whether it be dogs or cats you need Pumpkin. I don’t know what we would do without it. Thank you Pumpkin.
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5

out of 5

POSTED: | BY: Richard

Answered all our questions being able…

Answered all our questions being able to take care of our pets the way need help
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5

out of 5

POSTED: | BY: Tammy

I have great experiences with Pumpkin

I have great experiences with Pumpkin. I would refer it for your pet!
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1

out of 5

POSTED: | BY: customer

They lovely treat your pets

DR is very friendly and knows what she is telling about
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4

out of 5

POSTED: | BY: John

I do love being able to file a claim online

I do love being able to file a claim on your website, it makes it very easy to file the claim. The only thing I would love to see change is having to put in a date for when the illness/injury first occurred when it is an ongoing medical condition. It would be great if you could add a button to say it is an ongoing illness so you don’t have to try and remember when the illness first occurred.
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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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