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 and regulated by the US government, which ensures that your pet will receive the best possible care from veterinarians across the country. Its website is mobile-optimized, and customer service is available via phone, email, and text message.
Accident and illness policy
Pumpkin's accident and illness insurance is very comprehensive, and it covers everything that your dog or cat could need. Pumpkin also reimburses vet costs at 90% for cats and dogs older than eight weeks and for senior pets.
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.
Wellness & Preventative Care Packages
While most pet insurance companies offer a preventive care and wellness plan, few have them for the same price as Pumpkin. 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.
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. You can also cancel your policy if you don't like it within 30 days.
They don't have a mobile app, but their site is optimized for tablets and smartphones. Their customer service team is knowledgeable and helpful, and they provide a range of support options including online chat 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 service department is available around the clock, and you can submit claims, amend insurance documentation, set up autopay, and more by signing in to the platform. You can also chat live with them Monday through Friday between 11 am and 4 pm (EST).
Pre-existing condition 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 exceptions to the rule. These include spaying or neutering procedures as well as cosmetic and elective surgeries. The policy does not cover pre-existing issues for new symptoms occurring after the waiting period.