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: Ryan

Excellent Pet Insurance!

I couldn’t be more blessed than to have a company like Pumpkin, insuring our wonderful little dog, Luna! The coverage options they offer, and the affordable monthly premiums are fantastic! You have the freedom to take your pet wherever they need to go to get the best care possible. I’ve never had an issue filing a claim, and they really do care about the health of my pet! I highly recommend them.
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5

out of 5

POSTED: | BY: Joe Heaney

Quick claims

It was as very easy to enroll and the policy is clear on what it covers. We also picked up the essentials coverage, and have already used it. I was very surprised at how quick the claims were processed. We have only had Pumpkin for a week and have used it twice. Both claims were processed in two days!
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5

out of 5

POSTED: | BY: Carole B

Very nice and friendly staff

Very nice and friendly staff. Was very helpful when I made a claim.
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5

out of 5

POSTED: | BY: Jessica Bailey & Tiny Naboo

Amazing

Amazing! I love this pet insurance. Also the customer service is amazing! Any questions or emails you may and they respond very quickly!! I reached out the their customer service with questions before getting my cat on insurance and they were willing to help me. I will definitely be using their insurance in the future!!!
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5

out of 5

POSTED: | BY: Zamber

The representatives I've spoken with…

The representatives I've spoken with have been so professional, friendly and helpful. It was easy to establish the plan that meets our needs.
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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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