Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,078

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
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  • 4
  • 1,078

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.
5

out of 5

POSTED: | BY: A. Wright

Good coverage & management

Easy claim filing process. Quick turn around. Clear explanations. Good coverage & management
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5

out of 5

POSTED: | BY: Gia

Old dog, new tricks

I bought the preventive care package for my greyhound, she needed her booster shots and the plan included to shots per year. After much trouble on my part to get the claim to Pumpkin, I did it was a shame I did not remember what I did??? Anyway the sent a check electronically, all I had to do was print it. Now you would think that was easy however I am an old dog learning new tricks. Lets just say it did not go to plan. Pumpkin was wonderful and sent my a paper check that I could take to the bank. Love the service with Pumpkin!
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5

out of 5

POSTED: | BY: Nancy

Our boy Jax was pretty sick recently…

Our boy Jax was pretty sick recently and knowing we had Pumpkin Insurance was a great relief for us. Our claims were processed promptly. I always refer my friends and colleagues to Pumpkin. They are the best!
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5

out of 5

POSTED: | BY: KARYN BROOKS

Great Service

Wonderful company to work with!
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5

out of 5

POSTED: | BY: Hannah

Pumpkin is awesome!

Pumpkin is awesome! The claim process was super easy, and it’s nice knowing that if something were to happen, my cats are covered!
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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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