Pumpkin Review
- No breed or upper age restrictions
- 90% reimbursement rate, even for older pets
- Dental illness and hereditary conditions covered at no extra cost
- 10% discount for each additional pet you enroll
Founded in 2019, Pumpkin Insurance Services, Inc. is a licensed insurance agency that offers health coverage for dogs and cats in all 50 states. Pumpkin polices are underwritten by United States Fire Insurance Company. Pumpkin is located in New York, New York.
Up to 90% Vet Bill Reimbursement
24/7 Telehealth Helpline
No Upper Age Limit on Enrollment
Coverage Starting at as Little as $10 per Month
Coverage for Pets of Any Age and Breed
Coverage
Pumpkin is relatively new to the pet insurance industry, but it deserves a serious look due to its breadth of coverage. Pumpkin's policies cover a wide range of medical conditions and treatments, including dental diseases and extractions, which some other pet insurers exclude. You can take your pets to any licensed vet in the country, including specialists and emergency care providers. Also, holistic and alternative treatment modalities are covered under Pumpkin policies. You can even purchase optional wellness/preventative coverage for your pets.
Dog owners can choose either a $10,000, $20,000, or unlimited annual cap, while cat owners can select either a $7,000, $15,000, or unlimited limit. Pumpkin recently added higher cap options to its coverage. Although we hope never to have vet bills even approaching that limit, having a higher cap means you're more likely to have sufficient coverage to manage more catastrophic illnesses and accidents. Pumpkin does not impose a lifetime limit on coverage, so you don't have to worry about your pets getting older.
Pricing
Prospective Pumpkin customers can obtain a quote online simply and quickly by providing information about their pet's breed, age, and home location. Premiums are in line with those charged by other pet insurers, and customers can customize deductibles to find a plan that is more budget friendly. Pumpkin offers policies with $100, $250, and $500 deductibles, and reimbursement is for 90% of actual costs after the deductible is met.
Company Disclaimer
Pumpkin Advertiser Disclosure: 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 Company Info: 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 and rates may vary and are subject to change. Discounts 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 receives compensation based on the premiums for the insurance policies it sells. For more details visit pumpkin.care/underwriting-information. 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. For full terms, visit pumpkin.care/customer agreement. Pumpkin Preventive Essentials is not available in all states. Paid endorsement – Pumpkin Insurance Services, Inc. is responsible for this advertisement.
