Pumpkin Pet Insurance Review

Pumpkin is a pet care and insurance agency that provides affordable and extensive pet insurance plan options. Pumpkin also offers an optional, non-insurance add-on, preventive care package called Preventive Essentials. Pumpkin pet insurance plans offer a 90% reimbursement rate, a 10% multi-pet discount for all additional pets, a quick and easy online claims process, and exceptional customer support.

PLANS





What pets can be covered by Pumpkin Pet Insurance?

Pumpkin provides pet insurance plans for all cats and dogs as well as puppies and kittens that are at least 8 weeks old.

What types of plans does Pumpkin Pet Insurance offer?

Pumpkin offers insurance plans for puppies, kittens, dogs, and cats 8 weeks and up, with seniors included. The total cost of your Pumpkin insurance plan depends on the age and breed of your pet, your location, your annual coverage limit, and your annual deductible. All Pumpkin insurance plans cover eligible diagnostics and treatment for unexpected illnesses and accidents as well as eligible surgery and specialized care during emergencies for covered conditions. Pumpkin also offers an optional add-on wellness package called Preventive Essentials. Preventive Essentials is not insurance, but a package that you can add to any Pumpkin plan. You can create a customized insurance plan for your pet and request a free quote on the Pumpkin website.

When does Pumpkin Pet Insurance recommend you sign up for pet insurance?

It is recommended that you enroll your pet for an insurance plan provided by Pumpkin as soon as possible. Getting a Pumpkin insurance plan for your pet gives them considerable illness and accident coverage.

Does Pumpkin Pet Insurance offer a discount for multiple pets?

Pumpkin plans offer a 10% multi-pet discount for each additional pet enrolled. This discount is applicable regardless of the age or breed of your pets.

Does Pumpkin Pet Insurance offer pet insurance in all 50 states?

Pumpkin offers pet insurance plans in all 50 states.

COVERAGE





Which breeds can be covered by Pumpkin Pet Insurance?

Pumpkin plans have no breed restrictions for its insurance plans.

What are the minimum and maximum ages that are covered by Pumpkin Pet Insurance?

Pumpkin pet insurance has no upper age limit when it comes to its plans. Pumpkin offers extensive pet insurance plans for cats and dogs over 8 weeks with seniors included.

Which common procedures are covered by Pumpkin Pet Insurance?

Pumpkin pet insurance plans offer extensive coverage for a wide variety of illnesses and accidents. Some common conditions covered by Pumpkin plans include orthopedic injuries, parasite infections, digestive illnesses, behavioral issues, and dental illnesses. Pumpkin plans also cover physical and alternative therapies used to treat covered conditions, and more. Pre-existing conditions are not covered. However, with Pumpkin plans, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Are emergency vet visits and procedures covered by Pumpkin Pet Insurance?

Unexpected illnesses and accidents are extremely common with many pets needing emergency vet treatment. Pumpkin is well aware of this and aims to provide plans with sufficient coverage for your pet during an emergency accident or illness. Pumpkin insurance plans provide coverage for emergency procedures used for covered conditions, such as surgery and rehabilitation therapy along with emergency care and vet visits. You can take your pet to any licensed veterinarian or an emergency clinic in the US and Canada.

Which procedures or conditions are not covered by Pumpkin Pet Insurance?

Pumpkin pet insurance plans do not cover any pre-existing conditions that occur during the waiting period or before the coverage starts. They also do not cover any routine dental cleaning, cosmetic procedures, spaying and neutering, and breeding costs.

For a full list of exclusions, you can view a sample policy on the Pumpkin website here.

Are medicines and vaccinations covered by Pumpkin Pet Insurance?

Prescription medications along with certain prescription food and supplements that are prescribed to treat an eligible condition are covered by Pumpkin pet insurance plans. However, vaccinations and medicines that are part of your pet’s routine wellness care are not included. Prescription food for general health or weight maintenance are not covered either.

If you would like refunds on annual wellness care and exam fees, you can opt for the optional, non-insurance Preventive Essentials add-on package along with your Pumpkin insurance plan.



CLAIMS





How long is the waiting period after enrolling with Pumpkin Pet Insurance?

Pumpkin pet insurance plans have a 14-day waiting period after enrollment - so your coverage begins 14 days after you purchase the plan.

How do I file a claim with Pumpkin Pet Insurance?

Pumpkin pet insurance plans offer a quick and seamless claims process. Simply take your pet to any vet of your choice and pay at the end of your visit. You can then submit a claim online by entering your claim information, your pet’s medical records, and a copy of your bill. Once approved, payments for eligible vet bills will be sent to you by direct deposit or check.

How do I pay my Pumpkin Pet Insurance premiums? Do I have an option between paying monthly vs. paying annually?

You have the option to pay your premiums either monthly or annually. Your premium with Pumpkin pet insurance will not be impacted after filing a claim.

What other things should I consider about my Pumpkin Pet Insurance coverage?

Pumpkin pet insurance plans are an excellent option for pet parents looking for extensive coverage for their pets and long-term savings on expenses. Not only does Pumpkin offer end-of-life services, quick claim processing, and up to 90% coverage of your vet bills, but it also offers a customized pet insurance policy.



CUSTOMER SERVICE





What kind of customer support does Pumpkin Pet Insurance offer?

Pumpkin pet insurance offers exceptional customer support for all its patrons. Whether you have queries regarding online claims, reimbursement options, or enrollment, Pumpkin strives to make life easier for pet parents. You can either send them an email or call them Monday through Friday between 8 am and 8 pm EST.

Does Pumpkin Pet Insurance have a mobile app? 

Pumpkin does not have a mobile app, however, its website is 100% mobile-optimized. It also offers an online quote tool and a blog with educational articles regarding your pet’s health and other relevant information.

Does Pumpkin Pet Insurance offer a trial period?

Once your pet’s Pumpkin insurance coverage officially starts, you have the option of modifying or canceling your plan at any time in case you are dissatisfied with the service.

How can I cancel my Pumpkin Pet Insurance plan?

You can modify or cancel your Pumpkin pet insurance plan at any time - simply get in touch with the Pumpkin care team for assistance. Your refund eligibility and any reimbursements after canceling will vary according to your claims and usage.

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, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. ("Pumpkin") (NPN#19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), 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. Preventive Essentials is not an insurance policy and is not available in all states. 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/customeragreement. Form # 100529