Pumpkin is one of the newest players in the pet insurance industry. It quickly became popular with dog and cat 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 website has been optimized for mobile devices, and customers can contact the company via phone, email or text message.
Accident and Illness Coverage
Pumpkin's Accident and Illness Policy is comprehensive, covering almost all the needs of your pet. It reimburses vet expenses at 90% in the case of dogs and older cats.
This is an important feature because many pet insurance companies do not cover senior animals or limit their reimbursement. Pumpkin will cover your furry friend no matter what.
Preventative Care & Wellness 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. It does not require a waiting time for pre-existing medical conditions. Also, it covers many wellness services such as vaccinations, annual physicals and spay/neuter surgery.
You can also get discounts on multi-pet families. For example, you will receive a 10% Fur Family Discount for every additional pet. This helps you budget for your 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.
They don't have a mobile app, but their site is optimized for tablets and smartphones. The customer service staff is friendly and knowledgeable, and there are a variety of support options available including online chats and telephone calls.
The premiums for your pet are determined by the breed, age and zipcode. 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. The live chat service is also available from Monday to Friday, 11 am to 4:00 pm (EST).
Pre-existing Conditions Coverage
Pumpkin, just like other pet insurers does not provide coverage for pre-existing diseases that haven’t been treated or diagnosed within 180 day of enrollment. It will, however, cover conditions where there has been no symptom or claim for a period of six months.
There are a few exceptions to this rule, such as spaying and neutering procedures, elective or cosmetic surgery, and breeding costs. Also, any pre-existing condition is not covered when new symptoms occur after the waiting time.