Pumpkin is relatively new in the market of pet insurance, but it has quickly become popular among cat and dog owners. Pumpkin offers several plans for cats and dogs, including coverage for accidents and illnesses, as well an optional preventative plan that includes wellness visits, diagnostics and vaccines.
The company has been licensed and regulated in the US by the government. This ensures your pet gets the best care available from veterinarians throughout the country. The company's website is mobile friendly, and it offers phone, text, and email customer support.
Accident and Sickness Insurance
The accident and illness policy provided by Pumpkin is comprehensive and covers almost everything your dog or cat 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 guarantees a 90 percent reimbursement rate for your senior pet, regardless of what happens.
Wellness & Preventative Care Packages
Pumpkin is the only pet insurance company that offers a wellness and preventive care plan at a price comparable to other companies. Pumpkin's plan is different from other plans because it does not have a pre-existing condition waiting period and offers a variety of wellness services including vaccinations and annual physicals.
The Fur Family program also offers discounts to multi-pet households. Each additional pet that is enrolled will get a 10% discount. 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. 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.
There is no mobile app but the site has been optimized for smartphones and tablet devices. Their customer service team is knowledgeable and helpful, and they provide a range of support options including online chat and phone calls.
Premiums are based on your pet's breed, age and zip code. Choose a deductible, and then select an annual benefit cap to suit 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. They also offer live chat Monday through Friday, from 11 am to 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. Pumpkin will cover pre-existing conditions that are symptom-free or claim-free after six months.
There are a few exceptions to this rule, such as spaying and neutering procedures, elective or cosmetic surgery, and breeding costs. The policy does not cover pre-existing issues for new symptoms occurring after the waiting period.