Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,544

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: Neeta

Quick and easy sign up

The process was very easy once a friend recommended that this was the company to go with looking forward to seeing how the actual service is now
Read more on Trustpilot
4

out of 5

POSTED: | BY: Teresa

Easy website to navigate

Easy website to navigate
Read more on Trustpilot
5

out of 5

POSTED: | BY: Madeline

They make it quick and easy to file…

They make it quick and easy to file claims!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Christine Sodikoff

I’m extremely disappointed with Pumpkin…

I’I’m extremely disappointed with Pumpkin Pet Insurance and would not recommend them to other pet owners. I brought my cat to the vet after he threw up one time. My vet performed blood work, monitored him, and cleared him — nothing serious or chronic was found. One time. My cat threw up several times and became dehydrated.  We had to take him to emergency room after seeing his vet to get fluids. Despite this, Pumpkin denied the  entire claim, stating that the issue was considered a pre-existing condition.   This is extremely frustrating because my cat was evaluated by a licensed veterinarian and medically cleared with no ongoing condition, yet Pumpkin still refused coverage. If a single incident of vomiting can be twisted into a reason to deny legitimate care, then what are you really paying for? I get pet insurance for peace of mind, not to fight over basic emergency care when something unexpected happens. Instead of support during a stressful moment with my pet, I was left dealing with paperwork, excuses, and a denial. Save your money and look elsewhere — when it actually matters, they won’t be there for you
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review