Pumpkin Pet Insurance Review 2023: Plans, Fees, Coverage and More

Pumpkin Pet Insurance Review 2023

Animal owners should prepare to spend between $7,500 and $20,000 on veterinary care during the life span of their cat or dog.

Pet protection is a way to plan for the unforeseen and save money in a pet emergency. The team has studied several providers based on cost, coverage, and customer service and made a rundown of the best pet insurance companies.

This Pumpkin pet insurance review looks at the firm in detail. Established in 2020, Pumpkin is one of a few fairly fresh entrants into the burgeoning pet insurance sector.

Pumpkin Pet Insurance Reviews: Quick Verdict

Pumpkin pet insurance provides a broad range of insurance plans for numerous pet difficulties and medical charges, including vet examination costs, surgical procedures, and dental illnesses. There is no delay for issues such as cruciate ligament disorders or hip dysplasia, making this one of the best pet insurance companies.

Pumpkin Pet Insurance Reviews: Pros

  • It has a straightforward gateway for customers and a calculator for estimating costs.
  • Multiple-pet discounts on health and wellness coverage
  • Cats and dogs from 8 weeks and above and senior cats and dogs are eligible for a 90% reimbursement rate.
  • Wellness Plans as an add-on
  • Veterinarian visits for sickness or injury are covered.
  • There is no additional waiting time for conditions like a knee injury and hip dysplasia.

Pumpkin Pet Insurance Reviews: Cons

  • There is no accident only insurance coverage.
  • There isn't a pet medical hotline that's accessible around the clock.
  • There is a 14-day waiting period after an accident. One or two days is all that separates some of the leading contenders from you.

>>Check the best deals for Pumpkin Pet insurance

Pumpkin Pet Insurance Reviews: Background

Established in April 2020, during the COVID-19 pandemic, Pumpkin Insurance Services, Inc. is a newly formed company in the pet insurance sector, quickly making its way to becoming among the best pet insurance companies. Pumpkin offers one of the best pet insurance for cats.

Like a few other popular pet insurance providers, such as Spot and ASPCA, Pumpkin is backed by the United States Fire Insurance Company and administered by Crum & Forster Pet Insurance Group, which has an A (excellent) score from AM Best. 

This implies that Crum & Forster (C&F) Insurance Agency, Inc. is responsible for Pumpkin's claims, billing, and customer service.

What Does Pumpkin Pet Insurance Cover?

Pumpkin Pet Insurance offers a comprehensive accident and illness plan for canines and felines that covers a wide range of expenses. A few of the costs that are eligible for coverage include:

  • Hospitalizations
  • Assistance with specific needs
  • Mishaps, including broken bones and choking on items
  • Therapeutic innovations like stem cell treatment
  • Treatments that go outside the mainstream medical system, such as acupuncture
  • Hip dysplasia and similar genetic disorders
  • Accident and sickness-related prescriptions for foods and vitamins
  • Funerals, cremations, and other end-of-life rituals
  • CT and MRI scans
  • Problems with conduct
  • FDA-approved prescription drugs
  • Medical care at a time of crisis
  • Microchipping
  • Disorders of the teeth and gums
  • Payment for veterinary check-ups
  • Ailments including diarrhea and ear infections
  • Medical care for injuries and diseases from the comfort of home
  • Surgeries
  • Growths and cancer

Pumpkin Pet Insurance offers an additional plan called Preventive Essentials, which covers expenses associated with health and wellness, including fees for regular check-ups, immunizations, and tests for parasites and illnesses like heartworm and tick-borne diseases.

What Pumpkin Pet Insurance Doesn't Cover

Here are some problems not covered by Pumpkin Pet Insurance plans:

  • Vitamins and other supplements are used for general health upkeep and prevention.
  • Boarding.
  • Tail docking is an example of a prosthesis or treatment that is purely aesthetic and hence elective.
  • Your insurance plan does not cover non-medically necessary dental check-ups and cleanings.
  • Conditions that existed prior to the policy's effective date or the waiting period will not be covered.
  • Therapeutic interventions are being tested in the lab.
  • Fees incurred during breeding, having a baby, or caring for a newborn.
  • Taxes, administrative fees, medical waste, and record-keeping costs are indirect pet care costs veterinarians charge.
  • Personal hygiene and related products.

Pumpkin Pet Insurance would provide treatment for curable ailments even if they existed before the policy took effect, except for knee and ligament problems. If there have been no signs or symptoms of a curable pre-existing condition and the pet has gone without treatment for the prior 180 days, any new symptoms will be addressed as a new case.

>>Check out the best plans for Pumpkin Pet insurance 

Pumpkin Pet Insurance Waiting Periods for Coverage

Age Restrictions: Insuring dogs and cats at least eight weeks old is possible with this best pet insurance for dogs.

Waiting Periods: Pet insurance plans usually have a delay before the coverage activates, which is often a fixed period. For instance, Pumpkin Pet Insurance has a 14-day waiting period for accidents and illnesses.

The 14-day period is the standard waiting time in the industry, but some providers offer less time for accidents. Embrace pet insurance, for example, has a two-day waiting period for accidents, and Pets Best pet insurance has a three-day waiting period for accidents.

In contrast, Pumpkin Pet Insurance has no prolonged waiting period for conditions like hip dysplasia or ligament issues. On the other hand, some insurers have extended waiting periods for issues like these. 

For example, Embrace pet insurance has a six-month waiting period for orthopedic conditions in dogs, and Pets Best has a six-month extended waiting period for cruciate ligament issues.

Pumpkin Pet Insurance Routine Wellness Plan

Taking care of a pet can be expensive, as the ASPCA observes that owners are likely to spend more than $400 annually on health check-ups, vaccinations, and treatments for parasites, ticks, and heartworm. Read more in our ASPCA Pet Insurance review.

To reduce the financial strain of these costs, some pet insurance providers, like Pumpkin Pet Insurance, offer wellness and routine care coverage. 

This optional package must be purchased separately for both puppies under six months old and adult dogs and for kittens and adult cats. 

The package covers expenses such as check-ups, vaccinations, flea and tick treatments, and heartworm prevention.

  • Vaccinations
  • Tests for Parasites
  • Check-ups for health once a year

Pumpkin Pet Insurance Reviews: Coverage Levels

Pumpkin Pet Insurance offers different coverage levels for cats and dogs.

Maximum Annual Limit Options

The reimbursement that is provided by your pet insurance plan during the plan year has an upper limit. For dogs, the yearly limit options for Pumpkin are:

  • $10,000
  • $20,000
  • Unlimited

Pumpkin's annual limit choices for cats are:

  • $7,000
  • $15,000
  • Unlimited

Deductible Options

Before the pet insurance coverage takes effect, Pumpkin allows customers to pay a specific amount for veterinarian costs, known as a deductible. The deductible options for Pumpkin are as follows:

  • $100
  • $250
  • $500

An extra $18.95 per month for dogs and $11.95 per month for cats is available for those who opt for the additional preventive care service.

Reimbursement Level

Pet insurance policies usually require owners to pay their pet's medical bills and then submit their claim to be reimbursed for any issues the plan covers. Pumpkin only has one option for reimbursement for cats and dogs:

  • 90%

Numerous other schemes include 70% and 80% repayment options, which will reduce your regular premium.

Sample Monthly Premiums

To make it easier to understand Pumpkin plan pricing, we've included some sample quotes for premiums with a $500 deductible and a $10,000 annual cap for four-year-old animals in Raleigh, North Carolina.

>>Check the best prices for Pumpkin Pet insurance

How to Save Money on Pumpkin Pet Insurance

Pumpkin Pet Insurance incentivizes customers to insure multiple pets by offering a 10% price reduction for each additional pet covered; however, the total discount may be limited to a certain maximum, for instance, 20%.

Pumpkin Pet Insurance Reviews: Pumpkin vs. Competitors

Here is a comparison of Pumpkin with two other well-known pet insurance companies.

Pumpkin vs. Lemonade

Lemonade provides accident and illness coverage for cats and dogs compared to Pumpkin. Still, its fundamental policy does not include physical therapy or dental treatments, which must be included as an add-on. In contrast, Pumpkin includes these treatments in its standard plan. 

Furthermore, Lemonade has three types of preventive care packages: Preventative, Preventative, and Puppy/Kitten Preventative, which includes neutering and spaying, which Pumpkin doesn’t offer. Read our Lemonade Pet Insurance review to know more about the packages they offer.

>>See plan options from Lemonade Pet Insurance 

Pumpkin vs. Spot

Unlike Pumpkin, Spot's pet insurance provides an accident and sickness policy and an accident-only plan. It has two preventive health care choices: Platinum and Gold Preventive Care Coverage.

Spot's accident-only plan offers coverage for alternative treatments, prescription drugs, tooth extractions, end-of-life expenses, stem cell therapy, and more, so long as it is caused by a covered accident. For more on Spot’s insurance plans, read Spot Pet Insurance review.

>>See plan options from Spot Pet Insurance

Pumpkin Pet Insurance State Availability

C&F Insurance Agency, Inc. has the authorization to distribute pet insurance policies of the United States Fire Insurance Company through Pumpkin across the entire United States. Still, the details associated with each policy may differ depending on the state you reside in.

Pumpkin Pet Insurance Reviews: Consumer Experience

Website: Pumpkin's site is user-friendly and provides comprehensive details about coverage for cats, dogs, kittens, and puppies. You can acquire a sample policy for your locality and request a free estimate.

App: The business does not possess an app. However, the website is tailored to be compatible with tablets and cellular phones.

Claims: It is possible to file a claim on the organization's website. If you do not have to give the vet money right away, you can submit a request for Pumpkin to pay the vet directly.

Customer service: The customer service team of Pumpkin can be contacted by telephone between 8:00 am to 8:00 pm Eastern Standard Time from Monday to Friday. Additionally, an email sent to the company will be responded to within a day or even faster. There is also the option of live chat to talk to a representative via the website.

>>Get the best deals for Pumpkin Pet insurance 

Pumpkin Pet Insurance Reviews by Customers

Pumpkin Insurance Services, Inc. has been rated an A- by the Better Business Bureau (BBB), yet there are not many reviews available online since the company has just recently been established. 

Several Yelp users have cited their pleasure with the swift claims procedure of the business and its advantageous preventive care plan, while others have expressed their displeasure with the poor customer service and declined reimbursements. 

FAQs About Pumpkin Pet Insurance

Is pet insurance worth it? We answer this and more below.

How Do I Get a Pumpkin Policy?

Acquiring a Pumpkin Pet Insurance policy is quite simple. All you have to do is go to Pumpkin.care and click the "Create My Pet's Plan" button. Then, you will be prompted to enter basic details about your pet and yourself, and Pumpkin will provide a policy quote. 

After selecting the preferred deductible and any additional coverages, you need to input your payment information to complete the process. 

Pumpkin will also determine when the policy will be in effect after the waiting period ends. In the majority of states, they have a limited-time money-back guarantee, the details of which can be found on their frequently asked questions page.

How Do I File a Claim With Pumpkin?

If your pet needs medical attention because of an accident or sudden ailment, you must initially pay the veterinarian's office for the treatment. 

Register for an online account with Pumpkin to apply for 90% reimbursement of qualified diagnostic tests and procedures. 

The online claim application requires you to submit a copy or snapshot of your paid bill from the vet and any related medical papers. Pumpkin handles all claims via the web, and payments are made via check or direct deposit.

How Long Is the Waiting Period for Pumpkin?

After initiating your policy with Pumpkin, a period of two weeks is applicable for any health condition, for instance, accidents, diseases, knee injuries, and hip dysplasia—which typically necessitate a 6-12 months waiting period at other insurers.

How Do I File for Wellness Benefits Through Pumpkin?

Although Pumpkin's Preventative Essentials package is not an insurance policy, getting reimbursements is similar to the company's accident-and-illness plan. Once you have paid for your pet's veterinary care, you can upload the invoice to Pumpkin's website. 

The firm will then reimburse you for the actual amount of all eligible wellness services via direct deposit or check. For new customers, getting refunds on approved wellness care your pet received at the vet up to two weeks prior to enrollment is possible. 

Owners of puppies and kittens with the Preventive Essentials plan can file claims for vaccines (maximum of four) and other services included in the plan that was completed before signing up with Pumpkin.

>>Check the best deals for Pumpkin Pet insurance

Does Pumpkin Cover Dental Care for Pets?

Pumpkin dental insurance covers treatments and procedures for illnesses like gum disease, but it does not cover dental cleanings or any elective treatments.

Pet owners who want to ensure their cat or dog's teeth are completely covered in the event of any injuries or illnesses should consider Pumpkin's Pet Health Insurance Plan. 

We were very impressed with the coverage it provides, including tooth extractions and treatments for gum diseases or periodontal illnesses. 

The fees for dental exams, procedures, costs, and cleanings related to a covered condition are also included in the plan. However, this provider is a bit pricier than other insurers, and the 90% reimbursement rate with each policy cannot be changed to lower the premiums.

How Much Do Pumpkin Policies Cost?

The cost of Pumpkin's insurance coverage can differ according to the pet parent's place, and the pet's kind, breed, age, and location. Generally, a dog's monthly charges were higher than a cat's, with an average of $50–$80 and $30–$50, respectively.

Can I Cancel a Pumpkin Policy?

Getting a refund within 30 days of buying Pumpkin pet insurance is possible, but with some limitations. Unfortunately, this money-back guarantee is not open to residents of New York.

Does Pumpkin's Pet Insurance Policies Cover Pre-existing Conditions?

Pumpkin, like all other pet insurance companies, will not provide any coverage for any condition that was present before your enrollment or that presented itself during the two-week waiting period following the start date of your plan.

Provided your pet can go 180 days without being subjected to treatment or showing any signs of an illness, this policy will extend to illnesses that have been remedied, not just those on knees or joints.

How Do I Reach Pumpkin's Customer Service?

Customers of Pumpkin can access their service team via email, texting, an online chat system, or telephone conversation. The chat is only accessible during the days, Monday to Friday, from 11 am to 4 pm Eastern Standard Time. 

Inquiries made by phone and received between 8 am to 8 pm EST on weekdays can be attended to. Furthermore, customers can access the customer portal on Pumpkin's website to submit claims, manage insurance documents, arrange direct deposits, and more.

Pumpkin Pet Insurance Reviews: Our Conclusion

Pumpkin's premiums, on average, are costlier than other pet insurance companies. Nonetheless, their typical plan covers items that are generally included in other providers' add-on health plans. In the same way as most pet insurance firms, Pumpkin covers broken bones, toxic ingestions, and illnesses such as cancer

The Pet Health Insurance Plan additionally pays for 90% of dental cleanings, food for eligible conditions, microchip implantation, and vet examination fees for sick visits

The insurer's preventive and basic coverages are in line with or even higher than the industry standards, which may be especially attractive if you have a young pet. 

The business will even reimburse you the full amount of four vaccinations for puppies and kittens aged between eight weeks and five months, despite the fact that your pet had those vaccinations before you got a Pumpkin wellness package.

If cost is a significant factor in your pet insurance decision, competitors like Lemonade and Spot could be worth exploring. We suggest you get sample quotes and policies from at least three providers before deciding.

>>Check the best plan for Pumpkin Pet insurance


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