Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,558

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: Lisa Duncan

I have always been pleasantly surprised…

I have always been pleasantly surprised the way pumpkin has handled my claims. I work in the veterinary field and I’ve never had such a positive experience as I have with my own dog with pumpkin. I recommend pumpkin to all my clients.
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5

out of 5

POSTED: | BY: Amador

Great customer service!

Great customer service!
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5

out of 5

POSTED: | BY: Jennifer Drummond

Pumpkin is the best!

So happy to have Pumpkin for insurance. They are a life saver. My dog ate a rock and surgery was over 8k. Thank goodness for Pumpkin. I only paid co-pay and percentage. Getting reimbursed was fast, directly deposited to my bank within 5 days with no questions asked. Uploading my documents to Pumpkin was fast and easy, and you get an email when they are received and reviewed. We couldn’t be happier with our insurance choice for our 3 dogs. We recommend Pumpkin to all our friends and family.
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5

out of 5

POSTED: | BY: Roger Rowland

Great customer service

Great customer service
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5

out of 5

POSTED: | BY: Jenn

I am so happy with Pumpkin

I am so happy with Pumpkin! My cat has been covered for years. The claims process is easy, and whenever I’ve had a question, customer service has been stellar. It feels great knowing I’m giving the very best care to my fur baby with the help of Pumpkin.
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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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