Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,040

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 2.5
  • 4.3
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  • 4
  • 1,040

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: THOMAS PADDOCK

I chose Pumpkin in order to be prepared…

I chose Pumpkin in order to be prepared in case Maggie, my 7 year old Great Dane/ Bull Mastiff becomes ill, as I am pretty sure she will eventually. Pumpkin layed out the costs and benefits clearly for me to make an informed decision. My coverage takes effect tomorrow and I am glad I have the coverage in case something bad happens.
5

out of 5

POSTED: | BY: PAMELA

Just purchased

Just purchased. Seems good, so we’ll see.
5

out of 5

POSTED: | BY: customer

First Pet Coverage

First time purchase of pet insurance for a new puppy and all went well on the purchase. Haven’t used it yet so if and when I ever do, that’s when I will know exactly how good the company is. Hopefully I choose the best Company.
5

out of 5

POSTED: | BY: Heather Ashley-Collins

Pumpkin is by far the best pet insurance

Pumpkin is by far the best pet insurance plan I researched and I researched more than 20 plans. The staff is so accommodating and it is so easy to make claims. Very excited to have both of my fur babies covered by this plan!
1

out of 5

POSTED: | BY: customer

I have been trying to set up a password…

I have been trying to set up a password for close to an hour. The help I receive is not satisfactory. do not have password. Will have to try another day. If you could just send me a password by email I would be a happy camper.

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.

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