Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,261

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.3
  • Count
  • 0
  • 3
  • 1,261

Updated: May 29, 2024

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: 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.
1

out of 5

POSTED: | BY: Julie Meidinger

Please do not use pumpkin, they are scammers and just take your money, do not pay out claims start a saving pet account

Please do not use this company, COMPLETELY CORRUPT, they are scammers. We paid $157 a month for the last 8 months after our pup was spaded and 3 other claims of over 3000 they paid a lousy $202 I lost it with them, all they want is your money and have excuses why they wont cover your claims, that is how the employees are trained take the money in but they don't pay any claims out. Your better off starting a pet saving account on your own and putting money in it every month than being scammed and taken by this company. I am warning everyone do not use it, you will waist your time and money and be very angry! So tired of these kinds of business that don't care about your dog, we have hired an attorney through my husbands work to get all our money back we paid, they even want the $202 out of the $3000 in claims they paid on top of our 157 a month we already paid and refuse to give it back. Thief's THAT IS WHO THEY ARE! The reason i don't find reviews for pumpkin helpful is because there employees are leaving the positive ones check out bbb as they are all o the same day and one liners what a joke
5

out of 5

POSTED: | BY: Pam Desaulniers

So this is the first time I'm…

So this is the first time I'm purchasing pet insurance. The process was super easy and also explained alot. Thanks for all u do our our fur babies
3

out of 5

POSTED: | BY: customer

purchase held high hopes only to be dashed

The actual purchase of the 4 plans for my pet family was simple. It was more Expensive than I had wanted it to be but wanted the coverage offered. Now I go to file a claim on three of my pets and tow r completely denied based on a loop hole with the other the pet. I’m not happy with the insurance overall and will be looking for Other options.
1

out of 5

POSTED: | BY: Shaena Litwin

SCAMMERS

ABSOLUTELY DO NOT USE THEM!! THEY ARE SCAMMERS!! I filed my first claim because I had no doubt about the issue and that it would be covered based upon the plan I chose. They denied it, saying there were preexisting issues, so I call my vet and they have no recollection as to why they would think that and deny my claim. The people are rude and we’re no help. I just hope other people don’t make my mistake. I immediately cancelled and spoke with another insurance who was happy to help and agreed with my statements above and how they were false.

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.
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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