5
out of 5
POSTED: | BY: G.
Smooth process consistently
the online platform is easy to use. claim process is efficient and smooth.
Read more on Trustpilot
4.3
out of 5
Number of reviews 1,110
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: Erin & Matt Gowin
Be prepared for hassle with getting a claim paid..
The two illness/injury claims I filed were almost immediately denied. I had to go through an appeals process and in one instance file a complaint with the State Corporation Commission to get a response. They blatantly ignored timeliness in their policy, saying it could take 60 days to resolve an appeal when the policy stated 30. Ultimately, I cancelled. For the expense, there are better insurance providers.
5
out of 5
POSTED: | BY: Gerry Alsteen
Reasonable Rates and Professional Staff
Were professional, totally up-front with benefits, answered every question that I had and not pushy or intrusive.
5
out of 5
POSTED: | BY: Olive's mom
The process was extremely quick and…
The process was extremely quick and easy. We went to the vet on a Saturday. Submitted a claim on Sunday. The adjuster had a question on Wednesday. I was reimbursed, funds in my bank account on Friday! Super easy! So happy that after a lot of research I chose Pumpkin for our pet insurance.
5
out of 5
POSTED: | BY: Rob H
Bad experience turned good.
I’m writing this review because I had such a bad experience with a representative from Pumpkin dog insurance, so bad I canceled that day and ended up going elsewhere. I called back a few days later (today) because I still had a few outstanding claims that need to to be processed and Bethany W helped me so much that I said to myself, had Bethany been taking care of me the other day I would’ve never canceled my insurance, so kudos to Bethany W and I hope your company complements you and makes you a trainer for the other representatives to follow. Thank you. Bethany W and I may be returning to Pumpkin. If Bethany can be my point person.
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.
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.