Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,453

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: Maria

Well… WOW!!!!!

I am completely blown away by my experience with pumpkin, the customer service is superb and my claims have been handled so fast!!! The first one which usually takes the longer was actually only 10 calendar days and the two after that less than 24 hours!!! I couldn’t believe it… I added the doctors notes, which was just a phone call and they emailed them… I think that may have helped, but never did I expect such fast process!! I am telling every pet owner I know that they should have pet insurance and I highly recommend pumpkin
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5

out of 5

POSTED: | BY: Ronald Heintzelman

The process has been easy to use and…

The process has been easy to use and straight forward. We were able to quickly submit our information and get a response in a timely manner. Very pleased with our claim process.
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5

out of 5

POSTED: | BY: Scott

Very easy to submit a claim and they…

Very easy to submit a claim and they were very fast as processing it.
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5

out of 5

POSTED: | BY: John

Reimbursement was fast, easy and deposited in my account in just a few days.

Pumpkin has lots of options, allowing you to pick the plan that best suits your budget. After satisfying my deductible earlier this year, I submitted two different invoices (just take a picture on your phone and upload) and was reimbursed within a few days at my 90% rate, no questions, follow up or delays. After about 15 months I’m very happy with my decision to choose Pumpkin.
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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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