Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,077

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,077

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: Gus

Can't review it yet since it's only…

Can't review it yet since it's only days since I signed up. But the signup was painless!
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5

out of 5

POSTED: | BY: Becky F.

Was easy to sign up and when I decided…

Was easy to sign up and when I decided to change my new pets name, it was simply a matter of a quick phone call.
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1

out of 5

POSTED: | BY: customer

I want a refund and it’s not being…

I want a refund and it’s not being processed
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1

out of 5

POSTED: | BY: Elizabeth Arias Bohart

PUMPKIN PET INS denied my pet prescription

Pumpkin denied a prescription Royal canine prescription diet for Kaiser that is on more than a year that always was refunded. They said to appeal but the appeal will affect other claims. Later the email information about the appeal indicates that they might impact other claims as they are related. Kaiser has exams in a week regarding his cancer status. So how am I supposed to continue caring for his care when pumpkin might stop these future expenses on the light of an appeal? The raised Kaiser premium from $117 to $177 as of January 2023. How does this look for caring for my pet?
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4

out of 5

POSTED: | BY: Sean

Wish there was an app and a better way…

Wish there was an app and a better way to see what is covered and what is not
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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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