Pumpkin | Pet Insurance Review

4.3

out of 5

Number of reviews 1,072

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,072

Updated: November 13, 2023

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: Joe Ansell

Great experience with Cust Serv Rep

The customer service representative explained es my policy thoroughly and professionally. I was very pleased with the explanation of what was and was not covered. Great experience!
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5

out of 5

POSTED: | BY: Z.F.

Easy process

It was an easy process to get a quote an sign up. The cost is efficient in comparison with others.
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5

out of 5

POSTED: | BY: Patrick

Pumpkin did a great job

Pumpkin did a great job! I was very happy with their service. Our dog had lymphoma and everything was covered per the insurance. They sent us our checks with explanations and whenever I called I was able to get an answer! If we get another dog, I will definitely use Pumpkin for our pet insurance again.
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4

out of 5

POSTED: | BY: customer

Hoping I won't find out.

I really won't know how good Pumpkin is until I need it for Simone. Sign up was quick and efficient. Thank you for her little toy, she loves it.
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4

out of 5

POSTED: | BY: Steve

As a first time buyer of pet insurance

As a first time buyer of pet insurance, I appreciated the explanations regarding coverage options. I am not sure I understand everything but I take comfort in knowing that I have some insurance.
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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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