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 plans for both dogs and cats. These include accident and illness insurance, as well as a preventative care option that covers wellness visits and diagnostics.
The company is licensed and regulated by the US government, which ensures that your pet will receive the best possible care from veterinarians across the country. Its mobile-optimized website offers customer service via email, phone and text.
Accident and illness policy
Pumpkin's Accident and Illness Policy is comprehensive, covering almost all the needs of your pet. The policy reimburses 90% of vet bills for senior pets and dogs and cats older than 8 weeks.
This is a huge deal because most pet insurance companies either don't cover senior pets, or they limit the percentage of reimbursement. Pumpkin's policy guarantees that your furry pal will receive a reimbursement of 90%, no matter the situation.
Wellness & Preventative Care Packages
Pumpkin has the lowest price of any pet insurance plan that includes preventive care. Pumpkin has no waiting period, unlike other plans. It also covers wellness services like vaccinations.
This program offers discounts for multipet families. It gives a 10% Fur Family discount to each additional pet. This will help you to budget for your whole 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. There is also a 30-day guarantee on their policy, which allows you to try it out and cancel it if the service doesn't suit your needs.
They don't have a mobile app, but their site is optimized for tablets and smartphones. They have a knowledgeable customer service team that is available for online chats and phone calls.
Premiums are calculated based on the zip code and breed of your dog. You can customize your coverage by choosing a deductible and selecting an annual benefit limit to meet your budget.
Pumpkin's customer services department is available 24 hours a day, 7 days a week. Sign in and you can make claims, update insurance documentation, or set up autopay. You can also chat live with them Monday through Friday between 11 am and 4 pm (EST).
Pre-existing Conditions 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.
Exceptions include costs for breeding, elective cosmetic surgery or spaying/neutering. In addition, any symptoms that appear after the policy's wait period are not covered by pre-existing health issues.