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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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John A

6/2/2021
Pumpkin health care will harass you forever if you don’t choose them. They cannot take no for an answer and their prices are absurd. You would be wise to choose any other per healthcare company. Pumpkin is rotten insurance.

Thomas B

4/1/2021
Rates and coverage much better than our current policy with Healthy Paws. Never had a claim with Healthy Paws and hope we never have a claim with Pumpkin.

T
Toni N

3/16/2021
My cat was, yes, I said was,16 yrs old, going on 17 in June of 2021. Since I have been shopping around for pet insurance, I came upon Pumpkin Pet Ins., filled out the questionnaire, and they suggested a $7000 insurance policy back in January 2021. I saw the premium amount, but I wanted to see the difference if I went for the higher insurance amount of $15,000. There really wasn't that much difference in the monthly premium price, and so, I applied for the $15K policy. They accepted, and I began paying the monthly premium of $138 per month. In the meantime, my debit card became compromised, and I had to change it. I actually forgot to change the number on Pumpkin and by the time I realized... Read More

Steve L

3/16/2021
Pumpkin only offers a monthly billing option and adds a $2 service fee per month. I questioned this with the Pumpkin staff and was told that's all they offer. Their policy contract explicitly states in the declaration pages and in the Conditions that the policy can be paid annually to avoid these monthly transaction fees. In CA, a service fee is not allowed if it's the only option for payment. The Pumpkin staff indicated that's all they offered since 2019 but said that they were "thinking about it". As this is explicitly stated in the policy and is not true, I began to question what else in their policy conditions and coverage might not be true? If I can't trust that the policy... Read More

Christie  
Official Response

NA of Pumpkin Pet Insurance
Hi Steve! Happy to let you know we now do offer annual payment options- thank you so much for your feedback!
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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