Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,585

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: Newt

First Claim Filings

Since this is the first claims I had made since switching to Pumpkin, the one thing I would have appreciated is that I received more communication on getting our account set up with ALL of Etta's medical records since she was a puppy. If I truly understood this was required I would of been more prepared.
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5

out of 5

POSTED: | BY: MBO

I’m very happy with the experience so…

I’m very happy with the experience so far!
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5

out of 5

POSTED: | BY: Joan

Stella's journey

We purchased pumpkin insurance when we rescued Stella around six months old. Because we did not know any of her history (both physical or medical) we thought it might be a good idea to get some insurance. She is now almost five years old and has developed some allergies. We tried changing her diet and even chewables that were supposed to help, but eventually decided to go with a medication that required a veterinarian. We are super happy that we have the insurance as it covers most of the blood work and medication that Stella is on. The team at Pumpkin is quick to respond and easy to deal with...Thanks Pumpkin!
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5

out of 5

POSTED: | BY: K.Hooks

Worth the Wait

Uploading supporting documents took a bit of coordination via fax so was finally able to email records and then the claim was reviewed/settled in a fair timeframe. If faxes are still a way to receive medical records I wish there were a better way to confirm receipt of records btwn Pumpkin and my vet. In the end, it all worked out!
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5

out of 5

POSTED: | BY: Lea

Your promptness on paying claims

Everyone I talked to was extremely helpful and courteous.
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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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