Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,549

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: Pete S.

Always a great experience with Pumpkin!

Always a great experience with Pumpkin! Very quick turnaround time with claims and immediate direct deposit of reimbursement with claim approvals. Highly recommend Pumpkin to anyone considering pet insurance!
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5

out of 5

POSTED: | BY: Maya G

I’ve had such a great experience with…

I’ve had such a great experience with my pet insurance. It gives me so much peace of mind knowing my furry baby is protected. Claims are easy to submit, customer service is always kind and helpful, thank you Darion! 😁🐶Reimbursements come quickly. I’m truly grateful for the comfort and support they provide.
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5

out of 5

POSTED: | BY: Don Lynn

Good follow up

Good follow up. We received an email confirmation and a letter from you for our records.
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5

out of 5

POSTED: | BY: Ronald Young

Claim Processing

Pumpkin processed my claim for reimbursement in a very timely manner and a deposit to my account was made in just a few days. I am quite happy with my experience.
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5

out of 5

POSTED: | BY: Jan

I've called twice with…

I've called twice with questions/concerns and was able to talk to a friendly yet professional woman. She was able to quickly help me both times to get me the answers I needed!
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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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