Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,567

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: Billie

Very helpful and informative

Very helpful and informative! Very friendly and I love how fast they respond back to me on my questions! Thank you Pumpkin and all employees for all you do for us fur parents and our fur babies. We greatly appreciate you! Billie(fur parent)and Merlin(fur baby) 🥰
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5

out of 5

POSTED: | BY: CT

I have had my two English Setters…

I have had my two English Setters insured via Pumpkin since 2022. Aside from one period back in 2023 when payment of a claim took several weeks, all other claims were paid within just a few days. A couple within just two days. Additionally Pumpkin has expanded services and coverage each year. They have terrific telephone support which is very rare these days. One of my dogs is on allergy medication permanently and Pumpkin has been great about it. The premium prices have only increased $2 at renewal each year. I am happy with their services. Knock on wood that we don't need their services very often.
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5

out of 5

POSTED: | BY: Willow's Mom

Quick and Easy!

I found Pumpkin Pet Insurance to be very easy to use and quick to reimburse payments to the customer. Thanks so much.
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5

out of 5

POSTED: | BY: customer

Your company has the additional…

Your company has the additional coverage that I wanted for my pet.
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5

out of 5

POSTED: | BY: Brand new to Pumpkin

Good communication

Good communication. Speedy claims process.
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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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