Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,556

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: Donna Norris

Best Pet coverage on the market

No hassle to file claims. The benefits are great. I am so satisfied with the service we have received from Pumpkin. Could not ask for better coverage or the commitment from your staff to make sure we are taken care of. Thank you so much.
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5

out of 5

POSTED: | BY: Deborah

Great pet insurance company!

Pumpkin has been and continues to be a really good pet insurance plan. It's easy to submit claims and they are quick to respond. Great company with great people. Keep up the good work Pumpkin!
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5

out of 5

POSTED: | BY: Holly Zoellner

Glad I Chose Pumpkin

Just filed my first claim and it was paid promptly!
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5

out of 5

POSTED: | BY: DeAnn

Claims

Submitting claims has been easy and receiving the reimbursements has been very quick.
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5

out of 5

POSTED: | BY: Jana

This was the first time to submit claim…

This was the first time to submit claim after our 1yr old Frenchie got bit by a copperhead. He was taken to an emergency Vet and got the antivenom and meds needed. We then had to take him to our Vet the next day for more antibiotics and fluids. He is doing great now and submitting my claim was very easy. I uploaded thru the app and got an email that it was submitted and within a few days we received our 90% after our deductible amount. I highly recommend Pumpkin for their promt attention and getting us paid.
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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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