Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,569

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: Grateful Customer

You hope you don't need it, but you're so glad you have it

We have had Pumpkin Pet Insurance for our pup for the last 2 years. We got it for peace of mind and didnt need it until recently when our dog got sick. The Pumpkin team was very quick to reconcile and reimburse claims and has been great to work with. Would recommend to anyone on the fence about getting it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: customer

Easy to sign up and navigate website

Easy to sign up and navigate website! I didn’t realize I could get pet insurance on my older pet!
Read more on Trustpilot
5

out of 5

POSTED: | BY: customer

Incredible service and coverage

Incredible service and coverage. Could not recommend more!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Rick

The customer service representative was…

The customer service representative was super helpful, and the processing of my claim was quick once the final paperwork from the vet came back. Thank you,
Read more on Trustpilot
3

out of 5

POSTED: | BY: Charlie

Not completely clear to me when the…

Not completely clear to me when the coverage starts and how to file a claim.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review