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.
1

out of 5

POSTED: | BY: Maria

Not the easy claims that I was promised

I have tried to do two claims and pumpkin keeps asking additional information. The vet clinic gave everything, and I uploaded, but the process is very cumbersome and not at all friendly as promised. I am thinking about changing insurance. Update: Some of my claims were denied, so for those thinking about this service please spare yourself a bad experience. I am definitely cancelling and moving to another service.
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5

out of 5

POSTED: | BY: John Facey

Very easy to submit a claim

Very easy to submit a claim. Claim was approved and paid within two days. Excellent service.
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5

out of 5

POSTED: | BY: Ann

Reimbursement was very quick

Reimbursement was very quick! I liked that I can submit the bill and Pumpkin goes thru the charges and accurately selects the charges that are covered, I don’t have to try and figure that out. I also liked that reimbursement was direct deposit into my acct!
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5

out of 5

POSTED: | BY: for your order

What is covered by the insurance and prices

Signing up was easy and pleasant. The representative was super helpful Im just waiting for the information to arrive in the mail.
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5

out of 5

POSTED: | BY: Joanne

Terrific pet insurance!

The ease of submissions and prompt response to claims by Pumpkin Pet Insurance is fantastic! I have recommended them to other pet parents, my Veterinarian & on the Nextdoor app when the question about a good pet insurance recommendation comes up!
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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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