Pumpkin is a relatively new player in the pet insurance market, and it quickly gained popularity among dog and cat owners. It offers different plans for dogs, cats, and even horses. Plans include coverage against accidents and illnesses as well as preventative care that covers wellness checks, diagnostics, vaccines, and more.
The company's license and regulation by the US federal government ensures that veterinarians from all across the nation will provide the best possible care for your pet. Its mobile-optimized website offers customer service via email, phone and text.
Accident and Illness Policy
Pumpkin's accident and illness insurance is very comprehensive, and it covers everything that your dog or cat could need. This policy also reimburses vet fees at 90% to dogs and cat aged 8 weeks or older and senior pets.
It's a big deal, because most insurance companies don't cover older pets or limit the reimbursement percentage. Pumpkin offers a guaranteed 90% reimbursement for your elderly pet.
Wellness & Prevention 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. 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.
It also provides discounts for multi-pet families, a 10% Fur Family discount on every additional pet you enroll. It helps you plan for the entire furry family.
The website has a simple interface and provides a wealth of information on how the coverage works. It also includes a calculator to estimate your costs. A 30-day money back guarantee is available so you can evaluate their service. If you are not satisfied, you can easily cancel the policy.
Their site is optimized for smartphones and tablets, but they don't offer a mobile application. They offer a wide range of support including online and phone chats.
The cost of your pet insurance is determined by its breed, age, and zip code. You can tailor your coverage to fit your budget by selecting a deductible.
Pumpkin's 24/7 customer service is available to you. Signing in allows you to submit claims, edit insurance documents, setup autopay and more. They also offer live chat Monday through Friday, from 11 am to 4 pm (EST).
Pre-existing Condition Coverage
Like other pet insurers, Pumpkin doesn't cover pre-existing conditions that haven't been diagnosed or treated within 180 days of enrollment. It will cover conditions if they have not had any symptoms or claims for at least six months.
There are exceptions to the rule. These include spaying or neutering procedures as well as cosmetic and elective surgeries. Also, any pre-existing condition is not covered when new symptoms occur after the waiting time.