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Pumpkin Review

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Reviews 63

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Michael Graw
Michael Graw
May. 03, 20214 min read

Pumpkin summary

Pumpkin provides extensive pet insurance for dogs and cats. This provider has a simple plan option that comes with 3 annual deductible options and a maximum annual coverage of $10K or $20K for dogs and $7K or $15K for cats. The insurance policy covers eligible bills for sick exams, prescriptions and more, as well as an option for preventive care coverage at an extra cost.

Pros

  • Annual deductible
  • Offers preventive care coverage
  • No upper age limit for coverage
  • Discount for enrolling multiple pets
  • 90% reimbursement rate for accidents and illness

Cons

  • Expensive plan options
  • Limits to annual coverage
Pumpkinat a glance
4.4

Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat

5.0

Customizable rates and services

Customizable plans and rates, upper age limit

4.0

Claims payout waiting period

Over 2 weeks

3.0

Customer support

24/7 communication and a pet hotline available

5.0

Bundles

Multi-pet and multi-policy bundles available

5.0

Pumpkin Pumpkin Visit Site

What's Covered?

Pumpkin plans cover an impressively wide range of conditions and treatments. Accidents are covered as well as new illnesses, regardless of whether the illness was preventable with a vaccine or medication. The same is true for dental coverage—dental illness issues are covered even if your cat or dog does not get an annual dental exam.

Pumpkin plans also cover sick exam fees, diagnostic and imaging fees, surgery and hospitalization fees, and prescription medication and supplements for covered conditions. You can use your policy to pay for behavioral issues and alternative treatments like acupuncture if desired.

If you opt for the optional preventive care plan add-on, Pumpkin Preventive Essentials, you also get annual vaccines (two for dogs, one for cats), one annual wellness exam fee, and more. There’s also a puppy benefit that reimburses for four vaccines, including ones that you did before enrolling.


All dogs and cats 8 weeks and older are eligible to enroll for coverage, regardless of whether they have pre-existing conditions. However, pre-existing conditions are not covered by Pumpkin plans. Unlike some other pet insurances though, Pumpkin’s plan will be able to cover most curable pre-existing conditions that have been free of symptoms & treatment for 180 days and occur again in the future (with the exception of knee/ligament conditions).

Insurance Plans & Pricing

Pumpkin has a single insurance plan that applies for both dogs and cats. Dogs get up to either $10,000 or $20,000 in total coverage per year (after your deductible) while cats get up to either $7,000 or $15,000 per year.

Pricing varies depending on whether you want a $100, $250, or $500 deductible. Note that Pumpkin has an automatic 10% discount for each additional pet for which you buy an insurance policy.

What's Not Covered

One of the things Pumpkin does not cover is pre-existing conditions. In addition, after paying your annual deductible, your insurance policy entitles you to a 90% reimbursement for covered costs. You are responsible for a 10% co-pay. For all exclusions and full terms, visit pumpkin.care/insurancepolicy.

Waiting Periods

Pumpkin requires a 14-day waiting period for your insurance coverage to take effect for both accidents and illness. However, there are no waiting periods for Preventive coverage (some preventive coverage is retroactive, even offering you a refund if you sign up after you visit your vet). The company also has a 30-day money-back guarantee as long as you have not yet made a claim.**

Coverage Limits

Pumpkin’s plan comes with a maximum annual coverage of $10,000 or $20,000 for dogs and $7,000 or $15,000 for cats. Based on their research, 99% of insured pet owners typically haven’t spent more than that, which is how those numbers were chosen.*

Reimbursement and Deductibles 

Pumpkin’s plan includes a 90% reimbursement rate. You can choose between a $100, $250, or $500 deductible for your plan. Costs for a four-year-old, medium-sized mixed breed dog living in 19711 are below. (Prices are accurate as of 7/1/2020 and vary based on plan type, pet breed, age, and location. To find up-to-date pricing information in your area, you can visit the site directly for a quote.)

Deductible
Monthly Premium
$100
$98.19
$250
$77.67
$500
$63.04

Claims and Service

Submitting a claim to Pumpkin is refreshingly simple. Just upload a copy of your vet bill using the website, or email or mail the claim, and the company will process your claim or follow up with any questions. You can also request that Pumpkin reimburse your vet’s office directly.

If you have problems, you can get in touch with Pumpkin’s customer service by phone from 8 am to 8 pm Monday to Friday (Eastern time). You can also send an email and expect a reply in 24 hours or less.

What You Might Like

  • Covers alternative therapies and behavioral issues
  • Prescription food for eligible conditions is covered***
  • Optional preventive health plan includes vaccinations and an annual wellness plan
  • Dental illness covered without annual exam
  • Hereditary conditions are covered, even high-risk ones
  • 10% discount for each additional pet you cover

What Pumpkin Could do Better

  • No coverage for pre-existing conditions
  • Expensive monthly premiums even with a high deductible

Contact Details and Address

pumpkin.care

help@pumpkin.care

1-866-ARF-MEOW

251 W 30th St # 9W, New York, NY 10001

How Pumpkin Compares: 


Waiting period
Sick exam fees

Accidents: 14 days

Illness: 14 days

Included

Accidents: 5 days

Illness: 30 days

Not covered

Bottom Line

Pumpkin’s pet care is extremely thorough as long as you remain within the coverage limits. There are few ongoing requirements to maintain coverage, which is good news if you’re not always the best about staying on top of annual dental visits or vaccinations. That said, Pumpkin’s plan comes with a higher monthly premium, so this insurance is suited for pet owners who expect to use a significant amount of the coverage.

Pumpkin Pumpkin Visit Site

About Pumpkin

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. 

Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. 

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, discounts, and rates may vary and are subject to change. More information available at checkout.

*Based on United States Fire Insurance Company data, August 2019.

The data shows less than 1% of insured dog parents typically submit claims totaling over $10,000 in a policy year and less than 1% of insured cat parents typically submit claims totaling over $7,000 in a policy year.

**30-DAY MONEY BACK GUARANTEE TERMS: Cancel Pumpkin Pet Insurance in the first 30 days and get a full refund as long as you have not received approval or payment for a claim. 30-Day Money Back Guarantee not available in NY.

***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.

COMPARISON INFORMATION: Comparison information is provided using publicly available information as of 7/1/20 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing help@pumpkin.care.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Trustpilot reviews

See what some costumers are saying about Pumpkin
Pumpkin
ExcellentReviews 63
on
Excellent
92%
Great
3%
Average
0%
Poor
0%
Bad
5%
  • author
    Katie B.
    Nov 23, 2021
    Super easy user experience and robust…

    Super easy user experience and robust coverage!!

    ...

  • author
    Bonnie Matzell
    Nov 21, 2021
    I was having trouble uploading a…

    I was having trouble uploading a medical file for our German Shepherd Anya. I called and spoke with Ruth - very nice, very helpful. This is my first experience with Pumpkin and so far, very satisfied.

    ...

  • author
    customer
    Nov 15, 2021
    It was easy to get no hassle

    It was easy to get no hassle

    ...

  • author
    Penny Marshall
    Nov 07, 2021
    So far….

    So far, so good! It’s easy to navigate the site, very affordable for our needs. In reading the policy, it sounds pretty transparent. I hope to never have to use it, but if we do…..

    ...

  • author
    Valerie A Fadok
    Nov 06, 2021
    Pumpkin is a great insurance package

    I am excited to keep our new dog protected. Although he has a pre-existing condition, I am comfortable that when other problems arise, I will have good support from Pumpkin. We also have the Preventive Essentials package which will give us support for vaccines, fecals, and his heartworm checks!

    ...

  • author
    Cassidy Brown
    Nov 04, 2021
    My cat got sick last month

    My cat got sick last month, and his bills were racking up so I thought, hey, let's get some pet insurance so we don't run into this again! He passed away within hours of buying a Pumpkin policy. The customer service member who took care of my abrupt cancelation made it so easy and gave me a full refund, no questions only condolences. Thank you, Pumpkin. I'll be back when another furry friend enters my life ❤

    ...

  • author
    customer
    Oct 30, 2021
    Prompt and efficient.

    Prompt and efficient service.

    ...

  • author
    customer
    Oct 29, 2021
    I'm still a new customer but so far…

    I'm still a new customer but so far Pumpkin has been everything I could've wanted for pet insurance. Quick responses, a cute welcome package, and thorough outline of coverage.

    ...

  • author
    customer
    Oct 28, 2021
    We just signed up our two dogs

    We just signed up our two dogs; a Shepherd and Poodle. After comparing many different plans and options, Pumpkin seemed to best fit our pups’ needs. So far so good.

    ...

  • author
    Lisa Connelly
    Oct 25, 2021
    Absolutely amazing

    Absolutely amazing. Fast reimbursement within a day actually. Very pleased . Would recommend excellent customer service.

    ...

  • author
    YasserV
    Oct 23, 2021
    Very good company.

    Very good company.

    ...

  • author
    Mkcustomer
    Oct 22, 2021
    Pumpkin provides an easy process…

    Pumpkin provides an easy process through which I can get healthcare insurance for my pets. They also send delightful toys to welcome our pets into their fold!

    ...

  • author
    justin
    Oct 20, 2021
    Fake reviews and a bad company

    Fake reviews and a bad company. You can tell all the 5-star reviews are fake because they're all named "customer". The only genuine review with a real name is 1-star. I also waited on the phone for an hour and received no answer from the Pumpkin side. Stay away from them and their fraudulent claims.

    ...

  • author
    customer
    Oct 15, 2021
    this is my first time having pet insurance

    this is my first time having pet insurance. i filed my claim two days ago and got my money back today 😁 super fast, easy and reliable. very excited

    ...

  • author
    customer
    Oct 15, 2021
    Very pleased with this Pumpkin…

    Very pleased with this Pumpkin Insurance for my puppy Zoey. She loves the toy you sent her. That was a very nice touch!

    ...

  • author
    customer
    Oct 13, 2021
    So far I like what it's offering and…

    So far I like what it's offering and the price is reasonable

    ...

  • author
    Deana Bistodeau
    Oct 09, 2021
    Pumpkin is an Absolute scam

    Pumpkin is an Absolute scam. I’m out ALL of the premiums I paid. I found out they have exclusion lists THAT ARE NOT listen in the contract. They call it “proprietary information.” It’s where the company can deny your claim based on “private company knowledge.” For example. IVVD and wobblers is considered curable with the surgery. Those conditions are listed on their “private list” As incurable. Therefore they will not cover them and they do not say they will not cover! I’m out over $1000!!! Just wanted to let everyone know before they throw away thousands and their pet is left with nothing if they get one of the unlisted conditions that no one knows about!

    ...

  • author
    customer
    Oct 09, 2021
    You're awesome

    You're awesome

    ...

  • author
    Leena
    Oct 07, 2021
    We love pumpkin!

    We love pumpkin!

    ...

  • author
    HappyCustomer
    Oct 07, 2021
    Quick and Easy

    Finding the best insurance for my furry familiars is tough. Researching every company is time consuming. Pumpkin made my decision easy and I feel much better knowing we have Pumpkin for all our health needs. I would (and have!) recommended pumpkin to others.

    ...

  • author
    customer
    Oct 05, 2021
    Pumpkin is amazing

    Pumpkin is amazing. Claims are easy to submit and payouts are super fast!

    ...

  • author
    customer
    Oct 02, 2021
    Easy sign up for my new kitten and easy…

    Easy sign up for my new kitten and easy to put in a claim.

    ...

  • author
    customer
    Oct 02, 2021
    Response time is grea!

    Response time is grea!

    ...

  • author
    customer
    Oct 02, 2021
    It was very easy to signup.

    It was very easy to signup.

    ...

  • author
    customer
    Oct 02, 2021
    Easy!

    Easy & stress free signing up for my pets' insurances

    ...

  • author
    Ruthann Shirley
    Oct 01, 2021
    Felt as though we needed to have…

    Felt as though we needed to have insurance for our pet due to unforseen events and the fact that veterinarian costs have become so expensive. My pet is healthy thank goodness but as a pet parent want to be able to provide the best care for my fur baby. I sleep a little better knowing that we are covered, thank you!!

    ...

  • author
    customer
    Sep 28, 2021
    Excellent excellent excellent

    Excellent excellent excellent. Young man was patient

    ...

  • author
    customer
    Sep 27, 2021
    Pumpkin care is awesome!

    So far pumpkin care has been great! I received my refund for vaccinations with the preventative care package in a timely manner. I am happy to have pumpkin cares services for my puppy.

    ...

  • author
    Piper
    Sep 17, 2021
    Just started with this insurance

    Just started with this insurance. No claims made yet but have reviewed the process and it seems pretty straight forward. I chose this insurance because of their wellness approach to coverage.

    ...

  • author
    Churro & Cuervo
    Sep 17, 2021
    So far, so good

    So far, so good. Insurance was easy to get and even better that I could compare all of the major pet insurance companies on one site! I had a notebook full of information trying to compare and find the best insurance for my pups. We haven’t had to use it, yet, but looking forward to all of the great coverage it offers.

    ...

  • author
    customer
    Sep 13, 2021
    Great sign up process

    Great sign up process, efficient n not overly difficult

    ...

  • author
    Stacey
    Sep 07, 2021
    The quoting was easy and painless.

    The quoting was easy and painless.. the correspondence was quick

    ...

  • author
    MARIA FALCO HOLDER
    Sep 07, 2021
    Sign up was easy and fast!

    Sign up was easy and fast, Pumpkin put together health coverage for all 3 of my cats very quickly and efficiently and cost effective too. It didn't take long for me to decide to sign up with this company. Thank you!

    ...

  • author
    GeorgiaBelle
    Sep 03, 2021
    Pumpkin Pet Insurance ~ Peace of Mind

    I compared the benefits of many many insurance companies and chose Pumpkin for my Standard Poodle, Bella. I like having choices of deductibles, out of pocket, annual routine vet visits, medications, as well as a 90% coverage of expenses! I choose what fits my budget and peace of mind and Bella’s medical coverage! Pleased that her claims can be quickly and easily filed online and turnaround time of payment is minimal!

    ...

  • author
    Gloria C
    Sep 03, 2021
    Couldn’t be more happier with our…

    Couldn’t be more happier with our choice of Puppy Insurance, TEDDEE BEAR says thank you!

    ...

  • author
    Love Animals
    Aug 02, 2021
    Highly recommend

    I am a new customer and so far it’s been great. Quick payments directly to your account and no issues thus far. I highly recommend this insurance for your little family members.

    ...

  • author
    Linda C.
    Jul 24, 2021
    My first claim with Pumpkin was…

    My first claim with Pumpkin was processed quickly and the refund was hassle-free. Very pleased with my experience with Pumpkin pet insurance.

    ...

  • author
    Angela
    Jul 21, 2021
    Pumpkin Insurance is great!

    Pumpkin Insurance is great!

    ...

  • author
    A. Wright
    Jul 20, 2021
    Good coverage & management

    Easy claim filing process. Quick turn around. Clear explanations. Good coverage & management

    ...

  • author
    Gia
    Jul 20, 2021
    Old dog, new tricks

    I bought the preventive care package for my greyhound, she needed her booster shots and the plan included to shots per year. After much trouble on my part to get the claim to Pumpkin, I did it was a shame I did not remember what I did??? Anyway the sent a check electronically, all I had to do was print it. Now you would think that was easy however I am an old dog learning new tricks. Lets just say it did not go to plan. Pumpkin was wonderful and sent my a paper check that I could take to the bank. Love the service with Pumpkin!

    ...

  • author
    Nancy
    Jul 20, 2021
    Our boy Jax was pretty sick recently…

    Our boy Jax was pretty sick recently and knowing we had Pumpkin Insurance was a great relief for us. Our claims were processed promptly. I always refer my friends and colleagues to Pumpkin. They are the best!

    ...

  • author
    KARYN BROOKS
    Jul 20, 2021
    Great Service

    Wonderful company to work with!

    ...

  • author
    Hannah
    Jul 20, 2021
    Pumpkin is awesome!

    Pumpkin is awesome! The claim process was super easy, and it’s nice knowing that if something were to happen, my cats are covered!

    ...

  • author
    Kathy
    Jul 20, 2021
    Highly recommend!

    Highly recommend!

    ...

  • author
    Erica
    Jul 20, 2021
    This is one FANTASTIC insurane Co

    This is one FANTASTIC insurance company! You will not regret in any way! They are true to their word, the service you purchased and your contact. I had a medical emergency, class 5 emergency with my puppy. We didn’t know if he would make it and I would have spent all the money in the world to save him. Pumpkin provided me with my 90% reimbursement only 2 weeks after a claim was submitted. They were understanding, no questions asked. Thorough and excellent job! Many thanks, Pumpkin!

    ...

  • author
    Wendy G
    Jul 14, 2021
    Best move I made getting pumpkin pet insurance!

    Best move I made getting pumpkin pet insurance…..so far they have covered some part of the bills. With her second and third set of shots.

    ...

  • author
    Patti
    Jul 14, 2021
    We're new to Pumpkin

    We're new to Pumpkin. Submitted claims for 'puppy care' and all went smooth and quick. I reviewed many companies and happy I settled with Pumpkin!

    ...

  • author
    Veronica
    Jul 13, 2021
    Pumpkin is the BEST!!!

    Pumpkin paid my claims with no problems. Just submitted my vet bill and they reimbursed me quickly

    ...

  • author
    Theresa
    Jul 13, 2021
    So easy to get started

    So easy to get started! We are very satisfied with Pumpkin!

    ...

  • author
    Sam
    Jul 13, 2021
    Not worth it

    I canceled my plan because its honestly not worth it. Had the accident and illness plan along with the essential pack. Filed a claim for a wellness exam and instead of being reimbursed for it the money went towards my deductible. The employee I talked with was nice and tried to figure out why that happened but I still got no money back. I called to cancel and the employee I spoke with apparently never canceled my plan because I was charged for the next month.

    ...

  • author
    maria
    Jul 13, 2021
    It’s been a great experience!!

    It’s been a great experience!!

    ...

  • author
    Moe
    Jul 13, 2021
    Great customer service

    Great customer service. Very friendly!

    ...

  • author
    Felicia
    Jul 13, 2021
    Pumpkin does deliver.

    Pumpkin really does cover exactly what is in the policy.

    ...

  • author
    customer
    Jul 13, 2021
    Worth it

    This is the first time in purchasing pet insurance. The decision was an excellent one. Pumpkin is extraordinarily easy to set up & use. They are prompt in their service as well. The website is as user friendly as you could ever ask for. Pumpkin is just plain excellent.

    ...

  • author
    LF
    Jul 13, 2021
    Best pet insurance!!!!

    I wish I had found pumpkin since I got my puppy. I’m very happy with them. They are great, fair and expedite claims very promptly.

    ...

  • author
    Lorna
    Jul 13, 2021
    Amazing company by far!!

    Amazing company by far!!! 😍

    ...

  • author
    cody
    Jul 13, 2021
    Great company

    Great company

    ...

  • author
    Lori
    Jul 13, 2021
    Pumpkin is wonderful

    Pumpkin is wonderful! My pup had her routine exam and it is a miracle that there is a plan to cover the costs. The reimbursement was placed in my account very quickly. Piper and I are very happy!

    ...

  • author
    Kimberly
    Jul 13, 2021
    Shorty after I got Luna and purchased…

    Shorty after I got Luna and purchased the insurance Luna had a leg injury that resulted with leg amputation Pumpkin always reimbursed me quickly and every time I called to ask a question the representatives have all been so friendly and helpful!! I will be keeping with pumpkin ! Very professional,cost effective, and great coverage!

    ...

  • author
    Angie
    Jul 13, 2021
    I have been very happy with Pumpkin in…

    I have been very happy with Pumpkin in the short time we have had our puppy. Easy to work with and always there to help with questions, etc. Good explanation of each claim.

    ...

  • author
    Angie
    Jul 13, 2021
    Great Pet Insurance

    Awesome and fast service. So easy to submit claims and fast processing. I love the peace of mind that my babies are covered not only for emergencies but preventative care. So far very happy. I have 3 dogs covered and worth every penny

    ...

  • author
    Melody
    Jul 13, 2021
    Excellent so far

    Excellent so far, I’ve only used it for 2 months now but they paid out my wellness check no questions asked

    ...

  • author
    Paula
    Jul 13, 2021
    Excellent and fast service

    Excellent and fast service. Personal is friendly and helpful.

    ...

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