Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,069

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,069

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: Tony Cirlos

Always get what's best for your best friend kid your all thanks

Fast made common since best of all has best health care for my for my buddy my dog
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5

out of 5

POSTED: | BY: Dee Dee

Your company cares about our furry…

Your company cares about our furry loved ones. And does everything they can to help.
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4

out of 5

POSTED: | BY: Sharon

Aging Kitties

I've adopted kitties that wound up seriously ill later in life requiring a good deal of expensive medical attention though they were not covered by pet insurance. Big mistake! Not having insurance or money set aside to care for critically ill critters makes medical decisions very difficult at best. This time around, on adopting a new older kitty I thought it wise to purchase pet insurance. Good decision! A couple years after adoption of my aging fur baby she needed surgery for a bladder stone and later was diagnosed with Type II Diabetes. Filing claims with Pumpkin Insurance turned out to be an easy process and saved me a great deal of money covering a good portion of her surgery bill and ongoing diabetic prescriptions. My only minor complaint...the time between submission of claim and settlement. Despite - I'm very grateful to Pumpkin Insurance for their helpful coverage. Made deciding appropriate medical care choices much less stressful. My fur baby is comfortable and happy having been able to receive prompt medical care.
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5

out of 5

POSTED: | BY: Viggy Nair

Very easy to work with

Very easy to work with, quick resolution of my claims.
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5

out of 5

POSTED: | BY: Bob

The representative I spoke to on the…

The representative I spoke to on the phone was very helpful and my claim was processed very quickly, even though I faxed my claim.
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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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