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Pumpkin Review
Pumpkin Review
July 15, 2022 / Katy Ward
Pumpkin Review
July 15, 2022 / Katy Ward
Fast claims, 90% cash back on eligible bills
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At a Glance

Pumpkin pet insurance plans provide extensive accident and illness coverage for your dog or cat. In one particularly attractive feature, Pumpkin plans offer coverage for behavioral issues and dental illnesses, which are excluded by some other providers’ plans. In addition to a 10% multi-pet discount for each additional pet, Pumpkin plans could be particularly appealing if you have more than one pet.

Pumpkin’s Key Figures

Pets covered : Dogs, cats

Annual Coverage : Dogs: from $10,000 to unlimited/Cats: from $7,000 to unlimited

Reimbursement : 90% of covered vet bills

Deductibles : $100, $200, $500, $1000

Waiting Periods : 14 days on all conditions

Age limits : No upper age limit

Customer Support : Phone, email, text, or live chat

Pros

  • 10% multi-pet discount
  • Covers dental and behavioral issues
  • No breed or age restrictions
  • Visit any licensed vet in the US or Canada

Cons

  • Mobile app not available
  • 24/7 helpline not available

With an attractive multi-pet discount for those who own several pets, and coverage for dental illnesses and behavioral issues, Pumpkin plans are a great choice if you want your pet to have extensive coverage. Pumpkin plans also make flexibility a priority by allowing you to visit any licensed vet in the US or Canada.

Unlike some other providers’ plans, Pumpkin plans don’t offer a 24/7 vet helpline benefit — a feature that can be extremely valuable in an emergency. Likewise, Pumpkin doesn’t have an app, which isn’t ideal if you prefer to manage your finances on the go.

What’s Covered?

Pumpkin pet insurance plans include coverage for accidents and illnesses, including:

  • Ear and skin infections
  • Digestive illnesses
  • Cancer
  • Swallowed objects and toxins
  • Dental diseases and illnesses (including gum disease)
  • Behavioral issues
  • Hereditary conditions
  • Parasite infections

Pumpkin pet insurance plans also cover the eligible vet care prescribed to diagnose or treat covered conditions, including:

  • Exams (in-office and virtual)
  • X-ray
  • Surgery
  • Prescription food and supplements (Prescription food & supplements are only covered if they’re used to treat an eligible accident or illness. Prescription food & supplements used for weight management or general health maintenance are not covered).
  • Physical therapy
  • Prescription meds
  • Alternative therapy

A real stand out is that Pumpkin plans cover dental illnesses and behavioral issues,

As Pumpkin doesn’t operate with a network of vets, you can take your pet to any licensed vet in the US or Canada.

Pumpkin Preventative Essentials Package

If you add the Pumpkin’s Preventative Essentials wellness plan, an optional non-insurance add-on, you’ll also be reimbursed for:

  • Vaccinations
  • Annual wellness test
  • Lab tests to screen for parasitic infections

As Pumpkin doesn’t operate with a network of vets, you can take your pet to any licensed vet in the US or Canada.

What’s Not Covered

If you take out a policy, here are some of the exclusions that will apply:

  • Spaying/neutering
  • Aesthetic/cosmetic procedures
  • Boarding
  • Breeding/pregnancy
  • Grooming
  • Experimental/investigative treatment
  • Fees associated with microchip registration or renewal

For a full list of exclusions, you can see a sample policy here: pumpkin.care/insurancepolicy

Like most pet insurance plans, Pumpkin plans don’t cover pre-existing conditions. 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.

Insurance Plans & Pricing

When you’re buying coverage, you can choose specialized policies for puppies and dogs, or kittens and cats.

As with most insurance plans, the amount you pay for your coverage will depend on factors such as your pet’s age, breed, location, and your plan type.

If you’re adding more than one pet to your policy, Pumpkin plans offer a 10% multi-pet discount for each additional pet enrolled.

Reimbursements & Deductibles

When you’re taking out a policy, you can select your annual deductible: $100, $250, $500 or $1000. Your deductible is the amount you need to pay toward any covered vet bills before your reimbursements kick in. As with most insurance plans, you can usually lower the cost of your insurance premiums by selecting a higher deductible.

After your deductible is met, Pumpkin plans will reimburse you for 90% of your covered vet bills, up to your annual limit.

Annual Coverage Limits

When enrolling in a Pumpkin pet insurance plan, you can choose an annual coverage limit of $10,000, $20,000, or unlimited. In the case of cats, you can choose an annual coverage limit of $7,000, $15,000, or unlimited.

Waiting Periods

Pumpkin pet insurance plans have a 14 day waiting period for coverage.

Claims and Service

You can submit a claim online through Pumpkin’s member center. You’ll need to upload a copy of your vet’s bill and any relevant medical information relating to your pet. Once your claim is approved, you can receive your funds via direct deposit or check. Alternatively, Pumpkin plans can reimburse your vet directly if the vet doesn’t require you to pay the full fees upfront.

You can contact Pumpkin through phone, live chat, email, or text if your query is more general. Live chat and phone support hours are Monday to Friday, 7:30am-8:30pm (EST). Text and email support are available over the weekend. The company states that it will reply to emails in under a day.

When I visited Pumpkin’s website, I found it extremely user-friendly and found all the information I needed about the company and its claims process in its FAQs.

What Pet Parents Might Like

Something I particularly like about Pumpkin plans is that its waiting period is the same for all conditions, including knee injuries and hip dysplasia. Some other pet insurance plans impose an extended waiting period for certain types of conditions.

Further, I was pleased to note that Pumpkin plans offer a 10% multi-pet discount for all additional pets.

Something To Consider

If you like to manage your finances on the go, you may prefer a provider that offers a mobile app. Likewise, you should note that it is possible to find more affordable alternatives to Pumpkin, although these may not offer the same level of coverage.

Contact and Address Information

Email: help@pumpkin.care

To Sum Up

If you are seeking insurance for your dog or cat, Pumpkin could be a great option. While its premiums are fairly high, I think they could be well worth it, because Pumpkin plans cover dental illnesses and behavioral issues, which are excluded by some other pet insurance plans. Plus, I was reassured to learn that Pumpkin plans will allow you to take your pet to any licensed vet in the US or Canada.

Company Disclosure

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") (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 and pumpkin.care/insurance-licenses.

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/customeragreement. Pumpkin Preventive Essentials is not available in all states.

Get started now, visit Pumpkin
By Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.
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