Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,592

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: Julie Vavasis Vega

They let you concentrate on what matters

I am so grateful I had Pumpkin Pet Insurance when my dog needed X-rays. The vet bill was much higher than I expected, but having my pet insurance took all the financial stress away. The process was incredibly smooth. The vet's office handled submitting the claim for me, and before I knew it, the reimbursement was deposited directly into my checking account. The speed of the payment was a huge relief. This positive experience meant I could focus entirely on my dog's recovery without worrying about how I was going to pay the bill. I highly recommend them to any pet owner!
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5

out of 5

POSTED: | BY: Constance D.

Easy process

The claim process was easy and the payment was quick.
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5

out of 5

POSTED: | BY: Joseph Ansman

Quick turnaround time for claims and…

Quick turnaround time for claims and fast settlements. Pumpkin has been very fair to us. We are very satisfied.
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5

out of 5

POSTED: | BY: Elisha

Easy process for reimbursement

Luna broke her canin teeth after joining Pumpkin three months. The reimbursement process was pretty straightforward and quick. I just need to upload medical records and receipts. After couple weeks the case was approved and the reimbursement was deposited into my account. I also made a few calls during the process, all the representatives were very friendly and helpful. Highly recommend.
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5

out of 5

POSTED: | BY: Ilana

Best pet insurance

I’ve been using Pumpkin Pet Insurance for a few years and I’m happy with the coverage and the speed in which claims are processed.
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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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