What Does
Pumpkin Cover?
This insurer’s plans cover a wide range of
illness and accident-related expenses, as well as care options that help you
diagnose health problems. Some common conditions this insurer covers include
digestive problems, eye, ear, and skin infections, parasites, hip dysplasia,
orthopedic injuries, swallowed objects, and toxins. The procedures and
treatment you can get reimbursed for include surgery and specialized care,
emergency care and hospitalization, prescription medication, advanced care such
as stem cell therapy, diagnostic tests, treatment, and microchipping.
Some extra services and health problems
include hereditary conditions, behavioral issues, virtual vet visits,
alternative therapies such as acupuncture, prescription food and supplements.
Unlike many competitors, Pumpkin covers
dental illness. Their dental coverage includes gum disease, dental treatment
and surgery, x-rays, tooth extraction related to dental injuries, and
prescription medicine.
There is no maximum coverage limit, and the
company allows you to customize your coverage. For example, you can set a limit
of $10,000 per year or $20,000. There is no upper pet age limit. You can get
insurance policies for dogs and cats as young as eight weeks.
Pumpkin
Features
This is a straightforward and user-friendly
service. You can find all the insurance details you need on the company’s
website, which is easy to navigate and has an extensive FAQ section. Pumpkin
offers robust pet insurance coverage, and it is available in all 50 states.
Pumpkin
Pricing Plans
This insurer provides an accident and
illness plan covering an extensive array of illnesses and medical procedures
mentioned earlier. Pet parents can add wellness coverage to their basic policy.
This is done via the Preventive Essentials plan. It includes vaccines, fecal
exams, tick disease exams, parasite screenings and treatment, annual wellness
exams, among others.
The cost of your insurance will depend on
factors such as your pet’s age, breed, location, species, annual deductibles, and
annual coverage limits.
There is a 30-day money-back guarantee if
you have no covered claims during this period. The company offers a discount of
10% if you insure more pets. However, there can be a cap on the discount
amount.
Pumpkin
Waiting Period
This company applies a waiting period of 14
days before your policy can take effect. However, there is no specific waiting
period for preventive care coverage. Also, there is no extended waiting period
for ligament problems or hip dysplasia, which is excellent given that most
insurers apply a 6-month waiting time to these reimbursements.
Reimbursement
and Deductibles
The company offers reimbursement of up to
90%. You can also choose to get reimbursed for only 70% or 80%. The annual
deductible options include $100, $250, or $500.
Claims Process
It’s easy to submit a claim online once you
have a Pumpkin account. You can also simply send your bill by email or mail it
to Pumpkin. To streamline the process, the company can also send the
reimbursement directly to your vet. If you’re not sure whether to opt for this
insurer, you can first get a sample plan by filling out a form on the website.
Why You
Should Choose Pumpkin
You might want to choose this service if
you’re looking for extensive coverage that also includes things like dental
care, hip dysplasia, or prescription food. The company also covers hereditary
conditions.
Contact Details
and Physical Address
The Pumpkin customer support team is
available by phone at +1866-273-6369 from
Monday to Friday between 8 AM and 8 PM EST. You can also email them and they’ll
respond in a day or less. Live chat support is also available.
Company address
251 W 30th St # 9W,
New York, NY 10001
Why We Chose
Pumpkin
This customer-friendly insurer offers a
streamlined claims process and covers many medical conditions, including
hereditary ones. It is available nationwide and boasts a comprehensive website
and professional support service.
What Is
Missing
Like most other pet insurance companies,
Lemonade doesn’t cover pre-existing conditions. However, if an old condition
reoccurs, although it was initially cured, the company will cover it if the pet
was symptoms-free and didn’t receive any treatment for that condition for the
previous 180 days. The company doesn’t cover spaying and neutering. Dental
cleaning expenses are not covered, nor are cosmetic or elective procedures.
Disclaimer
The information on this website is provided
for the sole purpose of helping you make an informed decision when selecting a
pet insurance company. Our team of experts thoroughly analyzes each brand in
order to provide our readers with up-to-date and accurate information. However,
the pricing plans and other insurance details mentioned in our reviews are
subject to change as each company might update its offer. The information on
our website does not constitute legal advice and should not be treated as such.
