Pumpkin is a relatively recent player on the pet insurance scene, and has gained a lot of popularity among cat and dogs 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 is licensed by the US government and regulated, so you can be sure that your pet is receiving the best possible treatment from veterinarians in the entire country. The website is mobile optimized, and the customer service department is available by phone, email and text message.
Accident and Illness Policy
Pumpkin's Accident and Illness Policy is comprehensive, covering almost all the needs of your pet. This policy also reimburses vet fees at 90% to dogs and cat aged 8 weeks or older and senior pets.
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 is the only pet insurance company that offers a wellness and preventive care plan at a price comparable to other companies. Pumpkin has no waiting period, unlike other plans. It also covers wellness services like vaccinations.
There are also discounts for families with multiple pets. A 10% discount is given on each additional pet that you enroll. This will help you to budget for your whole furry family.
The website offers plenty of information and a calculator which can estimate your cost. You can also cancel your policy if you don't like it within 30 days.
Although they don't provide a mobile app for their website, it is optimized for both tablets and phones. 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 tailor your coverage to fit your budget by selecting a deductible.
Pumpkin's customer support department is available 24/7. You can access it by signing into the platform. There is also a live chat available every day from 11 am until 4 pm (EST) on Mondays through Fridays.
Pre-existing Conditions Coverage
Pumpkin, like other pet insurance companies, does not cover pre-existing medical conditions that were not diagnosed or treated in the first 180 days after enrollment. The insurer will only cover conditions for which there have been no symptoms and no claims in the last six months.
This rule is not applicable to certain procedures such as elective surgery or cosmetic surgery and costs associated with breeding. Additionally, pre-existing medical issues aren't covered for any new symptoms that occur after the policy's waiting period.