Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,599

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.
3

out of 5

POSTED: | BY: Roger Gibbon

It’s probably too soon for me to make a…

It’s probably too soon for me to make a fair assessment. The staff are wonderful people to communicate with, but so far I have been very frustrated with the reimbursement process. Also, as helpful as the staff might be, there doesn’t seem to be much communication between departments, which causes me to have to resubmit information. I know that it is necessary that they receive details on the doctor visit to process claims, but I am still waiting to receive any reimbursement for care. I will look further into what I may be doing wrong, and give it some more time
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5

out of 5

POSTED: | BY: Jocelyn

I feel super confident with choosing Pumpkin!

I was looking for pet insurance after a traumatic experience with a pet who got sick and having to deal with not only the emotional turmoil but also the stress of financial burden. I heard great things about Pumpkin and after doing some research and comparing other companies, Pumpkin seemed like the best option. Pumpkin expedited my current cat’s bill within 9 minutes and I received the funds shortly after. I feel super confident with choosing Pumpkin to help take care of my fur babies.
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5

out of 5

POSTED: | BY: Lisa Born

Easy instructions and fast refund

Easy instructions and fast refund
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5

out of 5

POSTED: | BY: Dennis P

Give us five stars

How would I know I haven't used it. All you want is praise. Why not focus on a great product.
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5

out of 5

POSTED: | BY: Melissa Ruocco

Quick refunds!

Quick refunds!! Turnaround time for processing claims is super quick, usually under 5 days! Unusual for any insurance! Online portal to submit receipts is super easy
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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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