Pumpkin is a relatively recent player on the pet insurance scene, and has gained a lot of popularity among cat and dogs owners. Pumpkin offers several plans for cats and dogs, including coverage for accidents and illnesses, as well an optional preventative plan that includes wellness visits, diagnostics and vaccines.
The company has been licensed and regulated in the US by the government. This ensures your pet gets the best care available from veterinarians throughout the country. The company's website is mobile friendly, and it offers phone, text, and email customer support.
Accident and Illness Policy
Pumpkin's accident and illness insurance is very comprehensive, and it covers everything that your dog or cat could need. This policy also reimburses vet fees at 90% to dogs and cat aged 8 weeks or older and senior pets.
Pumpkin is the only pet insurance company that covers senior pets. Most other companies limit reimbursements or do not cover them at all. Pumpkin will cover your furry friend no matter what.
Wellness & Preventative Care Packages
Pumpkin offers the best value for money among pet insurance plans. While many companies offer wellness and prevention care, they are rarely as affordable as Pumpkin. Unlike other plans, it doesn't have a waiting period for pre-existing conditions and covers a wide range of wellness services, including vaccinations, annual physicals, and spay and neuter surgeries.
This program offers discounts for multipet families. It gives a 10% Fur Family discount to each additional pet. This allows you to plan your budget for all of your furry friends.
The website of the company is very easy to use and contains a lot of useful information, such as a calculator that estimates your costs. There is also a 30-day guarantee on their policy, which allows you to try it out and cancel it if the service doesn't suit your needs.
They don't have a mobile app, but their site is optimized for tablets and smartphones. They offer a wide range of support including online and phone chats.
Premiums are calculated based on the zip code and breed of your dog. You can tailor your coverage to fit your budget by selecting a deductible.
Pumpkin's customer service department is available around the clock, and you can submit claims, amend insurance documentation, set up autopay, and more by signing in to the platform. You can also chat live with them Monday through Friday between 11 am and 4 pm (EST).
Coverage for pre-existing conditions
Pumpkin does not cover conditions that are pre-existing and haven't yet been diagnosed or addressed within 180 days. It will cover conditions if they have not had any symptoms or claims for at least six months.
Exceptions include costs for breeding, elective cosmetic surgery or spaying/neutering. Also, any pre-existing condition is not covered when new symptoms occur after the waiting time.