Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,558

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: Sidney

Quick claim turnaround

I can’t believe how quickly Pumpkin handles claims. When my dog was diagnosed with Cushing’s Disease it meant regular bills for bloodwork and medication, and you have taken care of all of my claims within 24 hours of my making them. That is remarkable! I will absolutely be recommending Pumpkin to everyone I know. You are a little more expensive than some, but it is absolutely worth it given the claims service you provide. Thank you. You have been a Godsend for us and our precious Oy.
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5

out of 5

POSTED: | BY: Laurel

Claims are handled quickly and fairly.

Claims are handled quickly and fairly.
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5

out of 5

POSTED: | BY: Christine Ward

Don’t wait-Pumpkin is key!

My Boston, Fitz had an infected bug bite, wound or something show up right next to his right eye. We were so concerned but the vet was quick to give his best to help him. All good now- Pumpkin made it easy to get care since we knew we had coverage. Thanks for the quick handling of our claim.
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5

out of 5

POSTED: | BY: Kathy

Easy claims, fast reimbursement

Easy to submit claims. Extremely fast reimbursement!!
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5

out of 5

POSTED: | BY: Dwight Edens

Great insurance and paid almost instantly

Great insurance and paid almost instantly.
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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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