Pumpkin is one of the newest players in the pet insurance industry. It quickly became popular with dog and cat owners. It offers a variety of plans for dogs and cats, including accident and illness coverage, as well as an optional preventative care plan that covers wellness visits, diagnostics, and vaccines.
It is regulated and licensed by the US Government, ensuring that your pet receives the best care possible from veterinarians all over the country. The website is mobile optimized, and the customer service department is available by phone, email and text message.
Accident and Illness Policy
Pumpkin's accident and sickness policy is comprehensive. It covers nearly everything your dog or cats might need. It reimburses vet expenses at 90% in the case of dogs and older cats.
This is an important feature because many pet insurance companies do not cover senior animals or limit their reimbursement. Pumpkin offers a guaranteed 90% reimbursement for your elderly pet.
Wellness & Prevention Packages
Pumpkin has the lowest price of any pet insurance plan that includes preventive care. 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 will help you to budget for your whole furry family.
The website offers plenty of information and a calculator which can estimate your cost. They also offer a 30-day money-back guarantee, so you can try out their service and if it doesn't meet your needs, you can cancel your policy without a hassle.
They don't have a mobile app, but their site is optimized for tablets and smartphones. The customer service staff is friendly and knowledgeable, and there are a variety of support options available including online chats and telephone calls.
Premiums are calculated based on the zip code and breed of your dog. Choose a deductible, and then select an annual benefit cap to suit your budget.
Pumpkin's customer support department is available 24/7. You can access it by signing into 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. Pumpkin will cover pre-existing conditions that are symptom-free or claim-free after six months.
There are exceptions to the rule. These include spaying or neutering procedures as well as cosmetic and elective surgeries. In addition, any symptoms that appear after the policy's wait period are not covered by pre-existing health issues.