Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,556

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: Christina Kissick

Best pet insurance ever

When I called to get, I don’t know if it’s called preapproval but the equivalent of preapproval for my dog surgery I was told yes absolutely it would be covered submitting the claim was so easy and I received reimbursement of 90% within 3 to 7 business days no questions asked no delays.
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5

out of 5

POSTED: | BY: Michael Micciche

Very efficient

Very efficient, simple process, immediate payment. Couldn't ask for a quicker response and delivery.
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5

out of 5

POSTED: | BY: Crafter

Quick claims

Claims are easy to file & are quickly decided. An Explanation of Benefits explains what was approved or disapproved & why. The staff is always friendly & helpful.
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5

out of 5

POSTED: | BY: Debbie

Pumpkin is tops in my book

Getting pet insurance was the best decision of my life, and Pumpkin has been phenomenal! The reps are all so helpful and kind and the claims process is super easy. I have it set up to get reimbursements deposited directly into my account and their turn around time is quick. So grateful Pumpkin
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5

out of 5

POSTED: | BY: Annette

Human quick and responsible

Every time I called for information a human answered the phone woohoo and was able to give the necessary help and info I needed , their response time is quick and reliable usually with in a day !!!! The insurance money and coverage was also within 24 hours I was totally impressed ! I am so glad I use them thank you
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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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