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Pumpkin Review

Pumpkin is a trusted and reputable pet insurance company that offers a wide range of options and unlimited coverage. This company also provides wellness add-ons and different discounts. Learn more about its policies and perks.

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Emma Martinez

Reviewed by: Emma Martinez,

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.

Pros and cons

Pros
Wellness options are also available
Unlimited coverage
No age limit
No waiting period for preventive care
Cons
More expensive than others
Only available for cats and dogs
There is no accident-only plan