Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,117

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.3
  • Count
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  • 3
  • 1,117

Updated: November 13, 2023

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.
4

out of 5

POSTED: | BY: Seth

Top 3 of what I researched...Claims have been easy and convenient so far.

I've only been a member of Pumpkin for 2-weeks. However, they were ranked in the top 3 of insurance companies I reviewed (Pets Best and Spot were the other top 3). Overall, they had great reviews and also for knee repairs there was no mandatory 6 month waiting period (some companies make you wait a certain period of time before surgery on the knee like an ACL). I've already submitted two wellness visits and the online submission was very easy. Also, payment was wired directly into my account which was super convenient. Overall, do your research (Pets Best, Spot, Pumpkin, Embrace and Lemonade) were the top 5 I researched. So far, I'm happy with my choice with the limited experience I have so far.
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5

out of 5

POSTED: | BY: customer

Easy site to navigate

I love how easy it was to navigate the website. The price range was affordable. This was a major reason why we choose Pumpkin as insurance for our sweet heart, babs
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5

out of 5

POSTED: | BY: Carlos Santiago

Quick reimbursement.

Their claim reimbursement was absolutely fast, less than a day, and it was very easy to setup the payment method to receive the funds.
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5

out of 5

POSTED: | BY: customer

Very easy to understand and the website…

Very easy to understand and the website was easy to use. We got the coverage we needed for our dog without a problem.
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5

out of 5

POSTED: | BY: Jechri

Easy to understand, transparent pricing, quick claims processing

I wasn't sure what I needed for my new husky pup, but Pumpkin made it easy to understand what would be covered. They also seemed to offer more than others at a transparent price. I even used the add on for annual wellness right away and it processed within a day. I'm glad I went with an easy to use provider that seems worth the cost.
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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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