Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,603

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 theyā€™re sick or hurt, and preventive care that keeps them healthy throughout their lives.
5

out of 5

POSTED: | BY: Brenda Simmons

I am so happy I chose Pumpkin for myā€¦

I am so happy I chose Pumpkin for my insurance for Milo I see by far this team is the most caring kind and compassionate to work with Also So easy to put a claim in with no difficulty at all like many others Thank You so much for taking such great care of Milo šŸ¶ā¤ļøšŸ’™šŸ’™šŸ¶
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5

out of 5

POSTED: | BY: Maria

Very fast payment in an urgent direā€¦

Very fast payment in an urgent dire need. Love this insurance!
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5

out of 5

POSTED: | BY: Bob

Very Professional

Very Professional, along with being very easy to work with.
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5

out of 5

POSTED: | BY: Vickie

Stellar Customer Service

They are responsive, and if a claim is taking a longer than it should, they speed up the process no problem!
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5

out of 5

POSTED: | BY: Adam

Pumpkin paid both my claims

Thanks pumpkin. They have paid 90% of my claims after my 500.00 deductible. No issues whatsover. They paid me back a little over 1100.00. I have the unlimited plan with 90% payout. My cat had watery diahrea that wouldnt go away for over 2 weeks and then a few months later some urinary issues, pain and not feeling well. Pumpkin paid 90% for xrays, ultrasound, bloodwork, antibiotics, pain shot, and 3 visits. I am very satisfied. I just hope my rates don't skyrocket. All i had to do was upload vet invoices and give a brief description of what was going on. First claim was approved in 3-4 days, 2nd claim took a week probably due to backlog over Thanksgiving. My boy is 9 and i pay about 80.00 a month
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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 ā€œyesā€ 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, Pumpkinā€™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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