Pumpkin Pet Insurance Review

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Contributor, Benzinga
April 18, 2022
Pumpkin Pet Insurance
Best For
  • Families with multiple pets
securely through Pumpkin Pet Insurance's website
1 Minute Review

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

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Best For
  • Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
  • Families with multiple pets who can benefit from their discount for each additional pet’s policy
Pros
  • Always 90% reimbursement rate
  • No upper age limits or breed restrictions
  • Multiple pet discount
  • An extensive list of covered procedures
  • Fast and easy claims processing
Cons
  • Plans only cover cats and dogs — no other pet types

Pumpkin Pet Insurance Ratings at a Glance

Coverage Options
Claims
Customer Service
Overall Rating

We think of pets as our family, so why not get them the best pet insurance coverage? Here’s what you need to know about a newcomer to the pet insurance game — Pumpkin Pet Insurance.

Pumpkin Pet Insurance Coverage Options

Pumpkin’s policies cover a wide range of situations that can result in costly vet bills. When looking at any insurance policy, it’s important to understand exactly what is covered before purchasing. 

From the Pumpkin.com website for dogs:

dog insurance coverage options
Source: Pumpkin
dog insurance
Source: Pumpkin

And for cats:

img_5f6a02a7ccb22

Source: Pumpkin

Your best bet is to get a sample quote, where you can find exclusions clearly laid out in bullets. 

Here’s a great example from their online quoting tool with unlimited annual coverage (meaning no more annual limits!), $250 deductible and 90% reimbursement accident and illness plan in the ZIP code 48228:

PetAgePayment per month
Golden retriever puppy8 weeks to 6 months$60.85
German Shepherd puppy8 weeks to 6 months$51.49
Golden retriever6 years $86.93
German Shepherd6 years$73.55
Bengal kitten8 weeks to 6 months$15.95
Bengal cat6 years$21.27
Maine coon3 years19.50

Pumpkin Pet Insurance Claims

Pet insurance claims handle differently than human health insurance. Most veterinarians require you to pay for your pet’s costs at the time of service, even if you have pet insurance. You then need to submit a claim to your pet insurance company if you believe that some or all of the costs of your vet visit should be covered. In some cases, your veterinarian may be able to submit a claim on your behalf and Pumpkin can pay your vet directly.

Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. If it is, you’ll receive reimbursement for the covered costs on your claim after you have met your annual deductible. 

Pumpkin Pet Insurance Customer Service

Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW (1-866-273-6369), Monday to Friday from 8 a.m. to 8 p.m. EST.
  • Emailing help@pumpkin.care
  • Text: 1-559-853-4779

Pumpkin’s website also claims that it will offer a chat feature soon.

Pumpkin Pet Insurance Overall Rating

Pumpkin offers robust pet insurance plans for dogs and cats of all ages and sizes. If you’re considering Pumpkin as your pet insurance provider, keep in mind the reimbursement limits in its policies. Plus, you can weigh that against the fact that there is no annual limit on coverage, meaning pets that need quite a lot of care will not exhaust their policy every year. Even though it has minor limitations, Pumpkin is a good option for most pet families.

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 Advertiser Disclosure: Pumpkin Insurance Services, Inc. is responsible for this advertisement. 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/insurance policy. Products, discounts, and rates 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 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. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customer agreement.

Frequently Asked Questions

Q
What are the advantages of using Pumpkin Pet Insurance?
A

Pumpkin Pet Insurance offers various benefits to include discounts, no annual coverage limits, no age limits and expanded coverage.

Q
What are the disadvantages of using Pumpkin Pet Insurance?
A

The drawbacks of Pumpkin Pet Insurance are that it only applies to cats and dogs, there are higher premiums and varying deductibles.

User Reviews

Lesia

How do you use this product to boost your finances?

Premium for 1 years old goldendoodle was $55. Had 2 claims: one for diarrhea (covered by deductible) and one for paw treatment (poison ivy). So at age 2 increased to $77.

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