Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,077

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
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  • 4
  • 1,077

Updated: November 13, 2023

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: Teri

Easy, honest, and timely

We have 3 dogs that have all had Pumpkin insurance since they were puppies. It is easy to submit their claims and reimbursement has always been quick and correct. They never try to get around covering things with "hidden exceptions".
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5

out of 5

POSTED: | BY: Sonja

My Pumpkin Review

Whenever I had to call Pumpkin, their staff is always friendly and professional. My claims have been processed very quickly. I would give Pumpkin ten stars!
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5

out of 5

POSTED: | BY: Sue

My pup got suddenly sick

My pup got suddenly sick, requiring hospital care for 24 hours, and I was so pleased that my Pumpkin insurance covered 90% of the bill. The claim was processed quickly, and within a couple of days I was paid. Couldn’t be happier with this coverage and highly recommend it!
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5

out of 5

POSTED: | BY: Kathleen Gallant

I Highly Recommend Pumpkin Pet Insurance!

Pumpkin insurance took away the stress of our dog's trip to the vet hospital. They were fair, timely and made the claim filing process a no-brainer. I highly recommend Pumpkin Insurance to anyone with a fur baby!
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5

out of 5

POSTED: | BY: customer

Easy claim filing- timely response

Easy claim filing- timely response
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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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