Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,558

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: Heather

Pumpkin means I can focus on my cat and not the bill

Having Pumpkin insurance means that whenever my cat is ill I can focus on her and not stress over the cost of her treatments. Filing a claim is easy, they've made the process very user friendly, I only have to check a few boxes and upload the vet bill . Pumpkin will reach out to the vet directly if they need additional medical records. The communication from Pumpkin was great. The official approval is back in just a couple of days, and they always encouraged to reach out with questions. Since they are great at providing information I rarely have any questions.
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5

out of 5

POSTED: | BY: kathryn

Made it easy to get though and the paper work.

Made it easy to get though and the paper work.
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5

out of 5

POSTED: | BY: Kenneth

Did what had been promised. Reimbursement checks arrived phone staff advised me with truthful information

Did what had been promised
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5

out of 5

POSTED: | BY: Kim

Excellent service

I have used Pumpkin Pet Insurance for 3 years for my cat. I'm highly satisfied with their service: Prompt responses, excellent communications, and quick process and reimbursement.
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5

out of 5

POSTED: | BY: Michelle V

Had a wonderful experience after…

Had a wonderful experience after receiving an expensive emergency vet visit for my pup! Thank you, Pumpkin for the great service and quick turnaround.
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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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