Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,172

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.3
  • Count
  • 0
  • 3
  • 1,172

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:

Our pup came down with kennel cough shortly after we purchased insurance.

We were able to file our claim online in minutes and we appreciated the fast claim response.it gives us a lot of piece of mind.
5

out of 5

POSTED: | BY:

Really excited to have Pumpkin on our side.

I was very hesitant to entrust our puppy boy to a company who has not been here that long compare to other insurance companies on the market. But! I am glad I have done it. Super responsive, quick on claim process and very easy to understand the whole insurance process!
5

out of 5

POSTED: | BY:

Love the ease of submitting claims online and the speedy payment payout process.

Also love that they cover more than other pet insurance companies do. We have 2 other dogs on another plan and going to switch them over to Pumpkin now.
5

out of 5

POSTED: | BY:

I have had many pet insurance companies over the last 60 years and PUMPKIN PET INSURANCE is the BEST. You get what you pay for!

Quicker then expected in payment and response time. My claim was paid within 3days. All paper work was done on line and no phone contact was need.
5

out of 5

POSTED: | BY:

I’m a first time cat momma and I have peace of mind knowing that I got the insurance that my cat needs.

One of my favorite features was Pumpkin breaking down it’s different price points, they summarize what’s not and not included and best of all, they give you a comparison to other pet insurance companies which made it much easier to figure things out. Pumpkin is great at reimbursing right away and Mia Lua loved her new toy that was gifted. Thank you Pumpkin!!!

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.

Get a quote today

Leave a review