Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,068

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 2.5
  • 4.3
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  • 4
  • 1,068

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.
2

out of 5

POSTED: | BY: FlGirlMomo

Policy info?? What’s covered??

Keep getting emails asking me to purchase a policy. I thought I already did. But I haven’t received anything with any policy number or info on what it covers. Very confused. You do a great job of selling but how about a little customer support after you e closed the sale??
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3

out of 5

POSTED: | BY: custoRich Dombrowski mer

I did not receive my reimbursement for…

I did not receive my reimbursement for the Microchip put in my dog Buddy. Why didn't I receive my reimbursement.
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5

out of 5

POSTED: | BY: customer

I just signed up for Pumpkin because my…

I just signed up for Pumpkin because my vet told me Pumpkin was the easiest plan to work with.
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5

out of 5

POSTED: | BY: Bobbi

I have peace of mind knowing whatever…

I have peace of mind knowing whatever may happen to my dog he is covered. I will never have another pet who is not insured.
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5

out of 5

POSTED: | BY: customer

I've made several claims due to ongoing care and each claim has been paid out appropriately.

It makes it a lot easier to care for my pups when I don't have to worry about the bill at the end.
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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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