Pumpkin Pet Insurance Review – Money

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If you’ve brought home a new puppy, you may be in for sticker shock when you take your pet to the veterinarian. From vaccinations to physical exams, young pets require a lot of care.
If you have a preventative essentials policy from Pumpkin pet insurance, you’ll get a full refund for eligible wellness visits and treatments, which could help you save money — or at least offset the cost of your premiums. Since Pumpkin also offers fine plans specifically designed for puppies, it’s one of our choices for the best pet insurance of 2021.
Preventative care plans for puppies
Unusually, Pumpkin has a wellness plan specifically designed for puppies. Its preventative essentials plan is available for dogs as young as eight weeks, and it covers annual wellness exams, up to four vaccines and an annual fecal test. (The company also offers a kitten plan.)
14-day waiting period for all illnesses and accidents
Whereas most pet insurance companies have a six-month waiting period — at least for certain problems, such as knee and ligament issues — Pumpkin’s waiting period is just 14 days for all conditions. The short waiting period is especially helpful if you have a breed of pet that is susceptible to joint issues, such as hip dysplasia or luxating patella.
Covers advanced treatments
Veterinarians sometimes recommend advanced or alternative therapies for pets dealing with arthritis or chronic pain. But not all insurance companies cover these. With Pumpkin, you can get coverage for acupuncture, stem cell therapy and even behavioral therapy as long as the treatments are prescribed and performed by a veterinarian.
No upper age limit
Most insurance companies either don’t cover pets that are older than a certain age or limit the reimbursement percentage for elderly pets. But Pumpkin offers a flat 90% reimbursement for all pets, regardless of their age.
No reimbursement percentage options
Pet insurance companies usually offer multiple reimbursement options, such as 70% to 90%. But Pumpkin offers only 90% reimbursement. Since such a percentage typically comes with higher premiums, this lack of choice limits your ability to adjust the reimbursement level to match your budget.
No mobile app
Most pet insurers now have mobile apps you can use to manage your policy and file a claim, but Pumpkin doesn’t have that feature. Instead, you can only manage your account online, and claims must be submitted through the website or mail.
Pumpkin has separate plans for dogs and cats. Its plans are accident and illness policies, but it does offer optional preventative plans.
Pumpkin’s insurance policies for dogs cover unexpected injuries or illnesses. You’re reimbursed for up to 90% of eligible expenses, up to the annual maximum, for the diagnosis and treatment of your pet by a vet. This plan also covers the cost of microchipping the animal.
The insurance plan for cats also covers unexpected accidents and injuries, but it has lower annual maximums than the plan for dogs. The insurance plan for cats also covers microchipping.
The Preventative Essentials plan is Pumpkin’s optional wellness program. It covers some routine or preventative care expenses for your pet:
Preventative plan customers also receive a welcome box and dog toy.
The Preventative Essentials plan for puppies provides extra coverage. It’s designed for pets under six months of age, and will reimburse you for the following expenses:
Although Pumpkin wasn’t one of the companies included in the past price survey, we researched Pumpkin’s pricing and found it to be higher than average, but that’s partially because Pumpkin has a 90% reimbursement percentage. To give you a snapshot of its rates, we requested quotes for dogs and cats of different breeds and ages.
Rate quotes are for a dog owner in Orlando, FL, and are based on a $10,000 annual reimbursement limit, a $500 deductible and a 90% reimbursement percentage. Your premiums may vary since they’re dependent on your pet’s species, breed, age and location.
For cat policies, the quotes below are based on a $7,000 annual limit, 90% reimbursement percentage and $500 deductible.
Pumpkin offers a 10% discount off your premiums when you enroll two or more pets.
Before selecting a pet insurance company, it’s a good idea to check out AM Best’s Financial Strength Ratings (FSR). They rate companies on their stability and ability to pay future claims, so you can feel confident in your decision knowing the insurer can afford to pay out claims you may submit.
Pumpkin’s pet insurance policies are underwritten by the United States Fire Insurance Company. In July 2021, AM Best affirmed the company’s A (Excellent) rating.
Similar to other pet insurance companies, Pumpkin has a blog with educational articles and an online quote tool. Pumpkin does have an online chat feature, but it doesn’t have a mobile app, nor does it offer 24/7 customer support like some other companies.
Pumpkin’s policies are available to residents in all 50 states and the District of Columbia. You can use your coverage to get treatment for your pet at any licensed veterinarian in the U.S. or Canada, which not every U.S. insurer allows.
Customer support is available by phone, online chat or email. To contact customer service, call 1-866-273-6369 or email [email protected].
Customer service is only available during the following times:
Monday through Friday: 8:00 a.m until 8:00 p.m. EST
As a Pumpkin policyholder, you can manage your pet’s policy through Pumpkin’s website by creating an online account. You can make payments, download policy documents and submit a claim through the site.
Pumpkin only insures dogs and cats. All other animals, including birds or reptiles, are ineligible for coverage.
As a newer insurance company, there are fewer Pumpkin pet insurance reviews than there are for other companies. On TrustPilot, Pumpkin’s TrustScore is 4.6 (excellent) out of 5 based on approximately 60 reviews. Pumpkin is not accredited by the Better Business Bureau, but it has an above-average score of 4.47 out of 5 based on 15 customer reviews.
To review Pumpkin pet insurance, we looked at the following factors:
Pet ownership can be expensive, and that’s especially true when you’re bringing home a new puppy. Puppies need a lot of care and veterinary visits early in their lives, which can be costly. Pumpkin’s pet insurance and preventative care plans can help you cover some of those expenses.
Pumpkin doesn’t have an upper age limit, and it has a relatively short waiting period for accidents and illnesses. However, it has limited annual benefits and only one reimbursement percentage, so its premiums may be higher than you’d get elsewhere.
Before selecting an insurer and enrolling your pet in a plan, it’s a good idea to compare policies from multiple pet insurance companies to ensure you pick the right company for you and your pet.
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