Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,075

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,075

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: Sandy

Recommendation

I would like to recommend that you make it easier to locate the Preventative Essential Policy as I had a hard time locating the information. Other than that, it was easy to compare the Pet Insurance policy and the website is very easy to use.
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5

out of 5

POSTED: | BY: customer

You were quick to answer questions and…

You were quick to answer questions and gave reasonable explanations prior to purchasing
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5

out of 5

POSTED: | BY: BONNIE BLAKE

STAFF WAS FRIENDLY AND KNOWLEDGEABLE

STAFF WAS FRIENDLY AND KNOWLEDGEABLE. TOOK CARE ENROLLING MY PET AND I RECEIVED ALL POLICIES, ETC IN A TIMELY MANNER
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5

out of 5

POSTED: | BY: customer

Never had a problem getting my money…

Never had a problem getting my money back and of course that's what we're all happy about and you're very helpful when I have questions thank you
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5

out of 5

POSTED: | BY: Brandie customer

I had just started a plan for our…

I had just started a plan for our Bernese Bailey and she ended up passing away. I was able to cancel my plan and then unexpectedly we had a flower delivery. Pumpkin sent us an arrangement with a beautiful card.
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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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