Pumpkin
4.3

out of 5

Pumpkin Pet Insurance for Dog & Cat

Updated: November 13, 2023

Pumpkin Pet Insurance is a good option for pet parents who are looking for affordable pet insurance with a variety of coverage options. It is underwritten by Independence American Insurance Company. Coverage is available to U.S. and Canadian residents.
Start a quote Pet parents reviews

Pumpkin Pet Insurance Details

    • More: Pumpkin Pet Insurance Reviews

      Why Our Users Picked It:

      Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.

      Pros & Cons:

      • Exceptional and caring customer service
      • Reliable and hassle-free coverage
      • Comprehensive coverage options
      • Covers vet exam fees
      • Up to 90% reimbursement rates
      • No accident-only plan available
      • 14-day accident waiting period (some providers only require 1 - 2 days for this coverage)

      Plan Limits

      • Per Condition Limit None
      • Lifetime Limit None
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Included
      • Hospitalization Included
      • Rehabilitation Included
      • Continual Care Included
      • Emergency Visits Included
      • Surgery Included
      • Dental Trauma Included
      • Foreign Object Ingestion Included
      • Congenital or Hereditary Conditions Included
      • Cancer Treatments Included
      • Dietary Supplements Included
      • End of Life: Burial and Cremation Included
      • Illness Included
      • Specialists Included
      • Prosthetics Included
      • End of Life: Euthanasia Included
      • Prescription Drugs Included
      • Outpatient Care Included
      • Bilateral Conditions Covered up to the annual limit
      • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
      • Vet Exam Fees Sick exam fees covered, plus one annual wellness exam with optional preventive care plan
      • Medical Imaging Included
      • Organ Transplants Included
      • Wellness Cover Covered by optional preventive care plan
      • Lab Tests Included
      • Behavioral Treatments Included

      Plan Summary

      Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. 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. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. 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.

    Most popular dog breeds insured by Pumpkin Pet Insurance

    Here are the top 10 dog breeds covered by Pumpkin insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $65.15
    Great Dane $118.93
    Golden Retriever $77.41
    Goldendoodle $48.22
    Miniature Goldendoodle $49.31
    German Shepherd $72.93
    French Bulldog $141.16
    Cane Corso $78.33
    American Bully $83.14
    Yorkshire Terrier $38.39
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Pumpkin Pet Insurance

    Here are the top 10 cat breeds covered by Pumpkin insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Shorthair Mix $37.00
    Domestic Medium Hair Mix $36.95
    Domestic Longhair Mix $32.43
    American Shorthair Mix $35.58
    American Shorthair $29.13
    Other Mixed Breed $20.13
    Domestic Short Hair $26.29
    Unspecified Mix $19.50
    Siamese $91.65
    Ragdoll Mix $35.33
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2024

    • Embrace Pet Insurance
      Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
    • Healthy Paws Pet Insurance
      Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Fetch Pet Insurance
      Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Lemonade Pet Insurance
      Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Trupanion Pet Insurance
      Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Nationwide Pet Insurance
      Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Prudent Pet Pet Insurance
      Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.
    • ASPCA Pet Insurance
      Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • MetLife Pet Insurance
      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Hartville Pet Insurance
      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • PetPartners Pet Insurance
      Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Spot Pet Insurance
      Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Pets Best Pet Insurance
      Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • AKC Pet Insurance
      Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Figo Pet Insurance
      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • ManyPets Pet Insurance
      Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Select up to 3 providers to compare

    Pumpkin Pet Insurance FAQ?

    • Do all vets accept Pumpkin pet insurance?

      Unlike people insurance, which limits your care to providers within your network, pet insurance, including Pumpkin pet insurance, can be used at any licensed vet’s office, specialist or emergency clinic within the U.S. and Canada.

    • Does Pumpkin pet insurance cover spaying or neutering?

      Pumpkin pet insurance offers extensive coverage for accidents and illnesses. They don’t, however, cover spaying and neutering as those are considered elective procedures.

    • Does Pumpkin pet insurance cover dental?

      Yes, Pumpkin covers dental illnesses, including periodontal disease (AKA gum disease). They also cover X-rays, treatment, surgery, and prescription medications used for diagnostics and treatment. Pumpkin pet insurance also covers tooth extractions for dental injuries. The company does not cover annual teeth cleaning.

    • Does Pumpkin pet insurance offer a discount for enrolling multiple pets?

      Yes they do. Pumpkin offers a 10% Fur Family Discount, which means you get 10% off a plan for each additional pet you enroll through Pumpkin pet insurance.

    Get a quote today

    Leave a review