Pumpkin Pet Insurance Review 2023 - Coverage, Cost & More

Pumpkin Pet Insurance is designed to offer comprehensive accident and illness cover for American dogs and cats. Offered by Pumpkin Insurance Services Inc., Pumpkin covers up to 90% of eligible vet bills when your pet gets sick or injured. 

However, before deciding whether Pumpkin pet insurance is right for your pet, it’s essential that you research exactly what Pumpkin policies do and don’t cover. Keep reading for a full rundown of the cost, features, exclusions, and reviews of Pumpkin pet insurance.

Pumpkin might be right for your pets if you:

• need comprehensive coverage with high annual limits and reimbursement amounts
  
• want coverage for microchipping, alternative therapies, or dental disease
  
• are looking for a policy that covers vet exam fees and diagnostic costs for covered conditions

Pumpkin may not be a good fit for your pets if you:

• want a policy with customizable reimbursement amounts
• prefer to file claims via fax, mail, or phone

Read on for a detailed review of Pumpkin's claims process, monthly premiums, covered conditions, exclusions, and more.

Insurance from Pumpkin is underwritten by United States Fire Insurance Company. For full details of Pumpkin Pet Insurance coverage and exclusions, check out a sample policy on the Pumpkin website.

Pumpkin covers 90% of vet bills for the following treatments and expenses:

• Vet exam fees for accidents and illnesses
• Emergencies and hospitalization
• Surgery and specialized care
• Diagnostics and treatment
• MRI or CT scans and X-rays
• Prescription medication
• Eye, ear, and skin infections
• Digestive illnesses
• Tooth extractions
• Cancer treatments
• Hip dysplasia
• Parasites and infectious diseases
• Orthopedic injuries
• Hereditary conditions
• Stem cell therapy
• Microchipping
• Alternative therapies
• Behavioral problems
• End-of-life costs associated with covered conditions
  

Some procedures and expenses not eligible for coverage through Pumpkin, such as:

• Pre-existing conditions
• Cosmetic, endodontic, or orthodontic dental services 
• Boarding
• Breeding or pregnancy
• Cosmetic and elective procedures
• Grooming or grooming supplies
• Ligament and knee conditions (if your dog has previously had a ligament or knee condition prior to coverage starting)
• Funeral expenses not associated with a covered condition
  

The cost of insuring your dog or cat with Pumpkin varies depending on a number of factors. These include your pet’s age, breed, and sex, as well as where you live.

To give you an idea of "ruffly" how much you can expect to pay for Pumpkin pet insurance each month, we applied for a range of mock quotes through Pumpkin's website.

The monthly premiums we received for dogs ranged from $43 to $125 per month. Insurance for cats through Pumpkin was slightly cheaper, with premiums ranging from $25 to $69 per month.

The quotes we received were for adult dogs and cats of mixed breed. Purebred dogs, puppies, and elderly dogs may cost more or less to insure depending on their health history and costs of living in your area.

Your premium will also be affected by the specifics of your pet’s policy. Let's take a closer look at each one.

Annual deductible options

Choose a deductible of $100, $250, or $500. The higher the deductible, the lower the cost of coverage. However, there’s no option to adjust your reimbursement amount with Pumpkin pet insurance, with all policies covering 90% of vet bills.

Annual coverage limits

Pumpkin offers 3 annual coverage limit options which will affect the cost of pet insurance. The higher your coverage limit, the higher your monthly premium.

Coverage limits for dogs insured with Pumpkin:

• $10,000
• $20,000
• Unlimited

Coverage limits for cats insured with Pumpkin:

• $7,000
• $15,000
• Unlimited
  

Optional add-ons

If you want wellness coverage for your dog or cat, you can add Pumpkin Preventive Essentials to your pet insurance plan for an additional fee.

In our mock quotes, wellness coverage cost an additional $11.95 per month for cats and $18.95 per month for dogs. However, this cost may vary depending on several factors, including costs of living in your area.

Discounts

Pumpkin offers a 10% discount if you insure multiple pets.

If you need to make a claim on your Pumpkin pet insurance policy, here’s what you need to do. You can take your pet to any licensed vet in the US or Canada for treatment, then submit your claim online via the Pumpkin website. You must submit your claim within 270 days of the treatment date.

You’ll need to upload a copy of your vet bill as well as your dog or cat’s medical records. It’s also possible for the claim amount to be reimbursed to you or directly to your vet clinic.

Pumpkin pet insurance is available for pets aged 8 weeks or older. There are no upper age limits or breed restrictions to worry about.

If you’d like to take out Pumpkin pet insurance coverage for your dog or cat, you can apply online by completing the following steps:

1. Providing your pet’s breed, age, and gender.
2. Entering your name, email address, and ZIP code.
3. Selecting your annual limit and deductible.
4. Choosing whether or not you want to add a Preventive Essentials wellness package to your policy.
5. Reviewing your quote.
6. Providing your address and contact information.
7. Submitting your payment details.

A 14-day waiting period applies after you take out a Pumpkin Pet Insurance plan. Any condition that occurs during this time will be classed as a pre-existing condition and will not be covered by your policy. 

If your pet has a pre-existing condition that has been cured for at least 180 days, that condition can be covered by the plan. However, please note that this is not the case for knee and ligament conditions.

Pumpkin Insurance Services has a C+ rating with the Better Business Bureau (BBB) and is not BBB accredited. In the 12 months prior to writing, the BBB had closed 10 complaints against the company.

On Trustpilot, Pumpkin has an average rating of 4.5 out of 5 stars from over 230 reviews. Consumers who left positive reviews praised Pumpkin for a fast and easy claims process, while those who left negative reviews sometimes complained about slow claims processing and rejected claims.