5
out of 5
POSTED: | BY: Inna
First claim was processed smoothly
First claim was processed smoothly
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4.7
out of 5
Number of reviews 2,574
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: Bryan Isaacs
Great handling of claims
Great handling of claims
5
out of 5
POSTED: | BY: TJW
Get great service.Great customer service
Get great service.
5
out of 5
POSTED: | BY: Cindy
Prompt responses to all claims…
Prompt responses to all claims submitted.
1
out of 5
POSTED: | BY: Alyssa
unreasonably asking for previous medical record as a rejection excuse for not covering the claim
When we signed the contract, there was no mention that we should have and keep all records for our pet. However, while our spending meets the deductible line, Pumpkin starts asking us for all the records from the born of our pets. Even a tooth cleaning claim. The thing is, our previous pet hospital does not give us medical records, so there is no way for us to obtain any medical records once we drop out of Banfield. We've reached out to explain our situation and request an explanation, but the claim was rejected the day after. Also, all of our claim were rejected after the deductible line was met. Very bad experience.
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.
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.