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: My Willow & Pumpkin

Pumpkin is very responsive

Pumpkin is very responsive. Pumpkin delivers what it promises. I'm so glad that Pumpkin is my pet insurance company because our puppy, Willow needed vet care! It's the first time that I've ever bought pet insurance, and I'm so glad that I did.
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5

out of 5

POSTED: | BY: Chanchan's mom

I love pumpkins so much

I love pumpkins so much. My cat, Chanchan, visited the ER twice within one year due to bladder stones. The reimbursement process was very quick. After I uploaded the medical record and invoice, it took only 1-2 weeks to get the reimbursement. I am considering adding my new pet to the pumpkin insurance. I had a really good experiment working with pumpkins.
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5

out of 5

POSTED: | BY: Annia Gutierrez

My experience with the insurance has…

My experience with the insurance has been very good, the refund response has been quick and smooth.
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5

out of 5

POSTED: | BY: customerNancy and Elsa

My dog needed an TPLO and mast cell tumor removal

My dog needed an TPLO . At the same time we found out she had mast cell tumors that needed to be removed. Overwhelmed with bills ,I remembered we had pumpkin insurance. Sent in the receipts and received my payment! Very easy !! No hassles at all. So thankful we had signed up for pumpkin.
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5

out of 5

POSTED: | BY: Theresa

I would recommend Pumpkin to anyone…

I would recommend Pumpkin to anyone wanting the best dog insurance there is! Great job!
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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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