Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,569

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: Rachael

There for my fur baby

It is comforting to know that Pumpkin is there for me so that I can be there for my fur baby. They are very helpful and quick to respond taking the stress out of getting the care needed for our family member. Thank you Pumpkin!
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5

out of 5

POSTED: | BY: Robin Dawkins

Very happy with Pumpkin!

Very happy with Pumpkin
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5

out of 5

POSTED: | BY: Donna

Quick response times on all claims.

Quick response times on all claims.
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5

out of 5

POSTED: | BY: Melanie Whaley

My heart broke… but fortunately we had insurance

My heart broke when a large dog attacked my service dog. The long recovery process has been challenging for all of us. The owner's dog never offered to help pay for the medical bills. Pumpkin Insurance never hesitated to pay out their share of my invoices, and therefore, with all the life-changing issues with KAZ’s health, at least I don’t have to stress over paying 100% of the medical bills. We are still in recovery mode, and it is still tricky, but now with PT, I hope my service dog can return to taking care of me.
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5

out of 5

POSTED: | BY: Mimorie

Charlene who assisted waa very friendly…

Charlene who assisted waa very friendly and efficient. Explained things thoroughly. Thank you
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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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