Pumpkin is a relatively recent player on the pet insurance scene, and has gained a lot of popularity among cat and dogs 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 company's website is mobile friendly, and it offers phone, text, and email customer support.
Accident and Illness Policy
Pumpkin's accident and sickness policy is comprehensive. It covers nearly everything your dog or cats might need. It also reimburses vet bills at 90% for dogs and cats aged 8 weeks or older, and senior pets.
Pumpkin offers a 90% reimbursement rate for your aging pet, even if the situation is not ideal. Pumpkin offers a guaranteed 90% reimbursement for your elderly pet.
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. The plan does not require pre-existing conditions to be covered and includes a range of wellness procedures, such as vaccinations.
The Fur Family program also offers discounts to multi-pet households. Each additional pet that is enrolled will get a 10% discount. This helps you budget for your entire furry family.
The company's website is easy to navigate and has plenty of information about how their coverage works, including a handy calculator for estimating your costs. You can also cancel your policy if you don't like it within 30 days.
Although they don't provide a mobile app for their website, it is optimized for both tablets and phones. They have a knowledgeable customer service team that is available for online chats and phone calls.
Your pet's zip code, breed and age will determine your premiums. You can customize your coverage by choosing a deductible and selecting an annual benefit limit to meet your budget.
Pumpkin's Customer Service department is open 24/7. Sign in to the platform and submit claims, change insurance documents, set up automatic payments, and much more. There is also a live chat available every day from 11 am until 4 pm (EST) on Mondays through Fridays.
Pre-existing condition coverage
Pumpkin is no different from other pet insurers in that it does not cover preexisting conditions if they have not been diagnosed and treated within 180 calendar days of enrolling. It will cover conditions if they have not had any symptoms or claims for at least six months.
There are some exceptions, including spaying and neutering, cosmetic or elective surgery, and breeding expenses. Additionally, pre-existing medical issues aren't covered for any new symptoms that occur after the policy's waiting period.