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: Ivonne Diaz

Other than having to go back and forth…

Other than having to go back and forth on the first claim full medical history for our dog, I have no complaints about Pumpkin insurance. They paid out a hefty claim which was greatly needed.
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5

out of 5

POSTED: | BY: Dante

The Best Option in Pet Insurance

Pumpkin handles claims quickly and efficiently, and when I've had to call for information the customer service representatives have always been friendly and informative. They even sent an email out to check on my cat during the California wildfires. They are everything I look for in a pet insurance company.
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5

out of 5

POSTED: | BY: Dora

Pumpkin is the real pet insurance you can rely on...

After reviewing several companies and working in corporate America, I was impressed with the depth of knowledge, politeness and ability to have a conversation without being overly sales oriented. I was able to select a policy that met my needs both financially and also practically. I already submitted two claims and were paid on both. The first claim took 4 weeks as we were new in the system, but the second claim was paid on day 3, after my doctor vet visit. They are a pleasure to work with and honest.
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5

out of 5

POSTED: | BY: Chyrel Sigun

Very easy to understand and obtain

Very easy to understand and obtain. Reasonable price.
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5

out of 5

POSTED: | BY: CORINA BRIGHT

I am very glad to have a good pet…

I am very glad to have a good pet insurance. Your company has professional employees whom care about our pets, processing claims is timely. I have recommended you to some of my coworkers.
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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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