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Pumpkin Pet Insurance Review

14 Customer Comments & Reviews - see all comments
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Founded in 2019, Pumpkin Insurance Services, Inc. is a licensed insurance agency that offers health coverage for dogs and cats in all 50 states. Pumpkin polices are underwritten by United States Fire Insurance Company. Pumpkin is located in New York, New York.
 
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How is Pumpkin rated?

Breakdown

3.5/5
Coverage
3.5/5
Cost
3.5/5
Extras

Overall Rating: 3.5 / 5 (Very good)

Pumpkin is a relatively new player in the pet insurance marketplace. Due to its breadth of coverage, the company deserves a serious look from pet lovers who are looking to insure their furry friends. Pumpkin also gets points for having a really fun, engaging website.

Pumpkin isn't yet rated by the BBB or Trust Pilot. We encourage Pumpkin customers to help remedy this information deficit and leave comments about the company on our site and other consumer review forums. We can say, however, that the company's policies are underwritten by the United States Fire Insurance Company, a firm of considerable financial strength and longevity. The firm receives an A rating from AM Best and an A- rating from Standard & Poor's. Pumpkin's underwriter's financial stability should give pet lovers confidence in Pumpkin's ability to pay claims.

The company's premiums are in line with industry standards. Dog owners can choose either a $10,000, $20,000, or unlimited annual cap and cat owners may select either a $7,000, $15,000, or unlimited limit. The company recently added these higher cap options. We all hope never to have vet bills even approaching that limit, but by raising coverage limits Pumpkin makes it more likely customers will have sufficient coverage to manage more catastrophic illnesses and accidents.

Pumpkin has made quite a few upgrades to its service in the last couple of months. Most importantly they now offer policies for cats. The company has also added an online claims portal and direct deposit of settlement funds for greater convenience.

Pumpkin Coverage

Coverage - 3.5 / 5

Pumpkin currently insures dogs and cats. The coverage provided is notable for its lack of restrictions. People can take their pets to any licensed vet in the country, including specialists and emergency care providers. The policy covers dental diseases and extractions, which are excluded from some other pet insurers' policies. Holistic and alternative treatment modalities covered under Pumpkin policies. You can purchase optional wellness/preventative coverage for your pets, too.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Holistic Care

Benefit Limits

Benefit Limits - 3.5 / 5

Pumpkin gives you the choice of three benefit limits each for its cat and dog policies. For dogs, customers can select from a $10,000, $20,000, or unlimited annual limit. For cats, they can choose from a $7,000, $15,000, or unlimited annual cap. The lower ceilings are typically high enough to pay for all but the most serious veterinary issues while the unlimited limit can provide for even those serious issues. Pumpkin does not impose a lifetime limit on coverage, so customers can feel secure that Pumpkin will take care of their pets as they advance in age.
Benefit Limit Types
Annual
Lifetime Benefits Maximum
$0

Reimbursement & Deductibles

Reimbursement - 3.5 / 5

You can ask Pumpkin to pay your vet directly when you file your claim. Otherwise, you can file a claim, wait to receive your settlement, then send your payment on to your veterinarian. Pumpkin also offers direct deposit reimbursement, so you can receive funds promptly and conveniently.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

Deductibles - 3.5 / 5

Pumpkin offers policies with $100, $250, and $500 deductibles. Reimbursement is for 90% of actual costs after the deductible is met.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Pumpkin cost?

Cost - 3.5 / 5

Prospective Pumpkin customers can obtain a quote online simply and quickly by providing information about their pet's breed, age, and home location. Premiums are in line with those charged by other pet insurers and customers can customize deductibles to find a plan that is more budget-friendly. The company's 90% reimbursement model makes their plans a good value.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$51.29
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$21.52
Rate Details: Rates quoted are based on a one-year-old male Golden Retriever and on a one-year-old male domestic short hair cat living in Orange County, California. Annual deductible: $500. 90% actual cost reimbursement. Annual benefits cap: $10,000 for dogs, $7,000 for cats.
Available Discounts: Multi-pet discount available.

Enrollment & Waiting Periods

Enrollment - 3.5 / 5

You can enroll your pet in a Pumpkin insurance plan online. The company has a minimum pet age of 8 weeks, but it has no maximum age limit. There is a 14-day waiting period from the date of enrollment before you may file a claim.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 3.5 / 5

Pumpkin offers an optional wellness/preventive care plan for dogs, cats, and puppies. Some preventive care plans we've reviewed don't add a lot of financial value when compared with paying for routine services yourself. But they may offer a little more peace of mind for some customers.

Pumpkin’s preventive plan, called Preventive Essentials, covers three main things, all 100% reimbursed by the plan: one annual wellness exam, annual vaccines (4 for puppies, 2 for dogs, and 1 for cats), and annual lab tests to detect diseases early on. One blood test and one fecal test for dogs, and one fecal test for both cats and puppies are covered under Pumpkin's wellness plan.

Although Pumpkin does not have a dedicated mobile app, claims may be submitted electronically through the company's online portal, which you can access by using your mobile phone browser. Alternatively, claim forms can be downloaded from the company's website, filled out electronically, and emailed (along with invoice copies) to the company.
Claim Form
Email
Online Portal

Company Disclaimers

Pumpkin Advertiser Disclosure: Prescription food coverage terms: Pumpkin insurance covers prescription food to treat an eligible accident or illness. It does not cover prescription food used for weight management or general health maintenance. Pumpkin Company Info: 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 and rates may vary and are subject to change. Discounts may vary and are subject to change. 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. For more details visit pumpkin.care/underwriting-information. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. For full terms, visit pumpkin.care/customer agreement. Pumpkin Preventive Essentials is not available in all states. Paid endorsement - Pumpkin Insurance Services, Inc. is responsible for this advertisement.

Contact & Additional Information

Homepage URL
https://www.pumpkin.care
Headquarters Address
251 W 30th St # 9W, New York, NY, 10001
Year Founded
2019

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14 Customer Comments & Reviews

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Laura

12/3/2023
Liars and cheats. They denied one of my claims after one of their agents told me that any treatment for trauma to a tooth was covered. Then, they refuse to refund me after I requested to cancel my policy. They LIED to me and told me I never requested to cancel because they ‘listened to the phone recording and didn’t hear that said’. Absolutely unbelievable. I remember 100% saying that I wanted my policy canceled because the dentals were the only reason I got the insurance.

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Laura

12/3/2023
This company is an absolute sham. They lied to me on multiple occasions and then refused to refund me after I tried several times to cancel my policy. They are like every other insurance company, confusing, greedy and dishonest.

drjgardner

8/19/2023
Pumpkin turns down everything, claiming it's a "prior illness" or "pre-existing condition" whether it is or not. They go to any lengths to avoid paying. Over 40 years I've dealt with more than a dozen different oet insurance agencies. They all have their problems, but this one is the worst.

jflamar301

3/8/2022
BUYER BEWARE! Pumpkin is nothing but a logo and a website. I insured two cats at a very high premium price ($176/month). I drank their marketing Kool-aid instead of going with a proven company. So that's my fault. I submitted claims at the beginning of November for one cat. I received nothing except the same auto-generated email for WEEKS. When I called over a month later, the customer service rep investigated and told me that my claims were being sent for "audit" on December 16th. I was told that the audit process would take between 30-45 days. Called again in January: "we're waiting on medical records" (which had already been emailed in November.) Because I had to... Read More

Christie  
Official Response

NA of Pumpkin Pet Insurance
Thank you for your feedback, Janet. We truly apologize for the delay in getting your recent claims resolved. They are with the processor and we do hope to have a resolution as quickly as possible. We do appreciate your patience here and we're glad to see we have been able to help cover many of your past claims as well. We'll be in touch soon!
lawhamptons

1/31/2022
Does your policy cover rehabilitation in hospital after orthopedic surgery? What is your short history of rate increases and for what?

Christie  
Official Response

NA of Pumpkin Pet Insurance
Thanks for reaching out! Rehab care could be eligible for coverage assuming the surgery is covered and the injury is not pre-existing to the policy. We won't ever cancel your coverage because of your pet's age and we do everything to keep our premiums as affordable as possible: however, sometimes increases are necessary. A few factors that can contribute to an increase in premium are the age of your pet, advances in veterinary medicine or an update to the coverage that your policy provides. We understand that it's challenging when costs for things go up. In addition to general trend increases which may be necessary from time to time, we do have premium increases for age. For more information, feel free to contact us by email at help@pumpkin.care or chat in during business hours (M-F 9A-5P EST)!
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LM A

1/26/2022
This morning, I purchased a Pumpkin insurance policy and the optional wellness/preventive care plan for my one-year-old cat, Missy. A lot of questions came to mind, because I wasn't certain that I'd understood correctly what I had read online. So, this afternoon I called the company. The representative was very patient and helpful. I frequently get afflicted with "buyer's remorse" after I purchase something. Not so in my Pumpkin purchase today. The coverage gives you good value for the money, not to mention peace of mind. Sure, I could have purchased other policies from other companies for less. However, if Missy should get sick or injured, the most likely event is I'd end up ultimately... Read More

Lory H

7/27/2021
I've had pet insurance for the last ten or so years but have never really been satisfied as I felt like most companies I dealt with always found a convenient way to avoid paying for a claim or pay at much less than expected. Based on the great reviews , I decided to try Pumpkin. I like their easy to use platform and the online claim capabilities. One of my dogs went in for routine neuter (not covered but suffered a complication which required a very expensive surgery. I submitted the claim to Pumpkin and got a response right away that they were looking into it, they updated me a week later stating they were still verifying detail but wanted me to know the status. Today I got an... Read More

Christie  
Official Response

NA of Pumpkin Pet Insurance
We are so happy we were able to help, and so glad you and your pups are part of the pack!
tteegarden808

7/6/2021
Horrible experience. I am currently fighting for them to pay for an injury that all of my doctors (I had 3 doctors) agree it was from an acute injury. My puppy (8 months) couldn't walk for two weeks. Her leg was swollen and she was in so much pain. Now Pumpkin is claiming it was from allergies? Even though all of my doctors disagree. I pay $70 a month for this "service." PLEASE SAVE YOUR MONEY DO NOT GET PUMPKIN.

Christie  
Official Response

NA of Pumpkin Pet Insurance
We are so sorry to hear that you have had a difficult experience so far, as that is absolutely not the norm for us nor the experience we'd like for you or your puppy! We base our claim decisions on the medical records provided by your vet as well as the start date of your policy. Keep in mind you can absolutely appeal a claim if you do not agree with the outcome and we are more than happy to help and re-review!
Christopher B

7/3/2021
Highly interested and love how secured I already feel with the sincerity level of care as a newcomer into these pandemic days they offer relief

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ataka r

6/4/2021
Im looking over the sample policy and you wont even cover a basic ultasound? Your policy coverage reads "e. MRI, CT scans and x-rays" why wouldnt you cover a ultrasound which is cheaper than MRI and CT???, doesnt make any sense? A ultrasound doesnt emit radation so its safer too for your dog???? Is this a scam or am i missing something? Then when i posted this on facebook instead if answering it they deleted my comment! What are they trying to hide???

Top Rated
Our Partner
  • No breed or upper age restrictions
  • 90% reimbursement rate, even for older pets
  • Dental illness and hereditary conditions covered at no extra cost
  • 10% discount for each additional pet you enroll
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