Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,574

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: Melissa Miles

The personalized customer experience is phenomenal...highly recommend

The personalized customer experience with this company is stellar. My sweet pup was diagnosed with Addison's disease after a lengthy (and expensive) sickness. Pumpkin was so quick in processing claims and depositing funds that I was able to keep paying for vet services throughout the illness. Then when he swallowed a cat toy, the rep I spoke with told me exactly what was needed to complete the claim and offered to reach out to the emergency clinic to request it. She followed up with me with a phone call and an email and was very kind in a stressful situation. Every rep I've talked to has been so nice and extremely helpful. I would recommend Pumpkin over and over.
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5

out of 5

POSTED: | BY: Fay.

Staff was knowledgeable and friendly

Staff was knowledgeable and friendly. I got reimbursed in a timely manner.
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5

out of 5

POSTED: | BY: Stephanie

Very happy with response time.

Once they reviewed the case, it took about two weeks to get the first Refund. Each claim after that was very quickly less than a week, very satisfied with response time. I would definitely recommend them. Anytime that I call with questions I’m greeted with really great response and kindness. Always asking about my pets.
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5

out of 5

POSTED: | BY: Colleen Kelly

My girl was diagnosed with cancer and…

My girl was diagnosed with cancer and Pumpkin has been great on paying promptly
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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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