Pumpkin is a relatively recent player on the pet insurance scene, and has gained a lot of popularity among cat and dogs owners. It offers different plans for dogs, cats, and even horses. Plans include coverage against accidents and illnesses as well as preventative care that covers wellness checks, diagnostics, vaccines, and more.
The company's license and regulation by the US federal government ensures that veterinarians from all across the nation will provide the best possible care for your pet. Its website has been optimized for mobile devices, and customers can contact the company via phone, email or text message.
Accident and Illness Insurance
Pumpkin offers a comprehensive accident and illness coverage that covers all your pet's needs. 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. Unlike other plans, it doesn't have a waiting period for pre-existing conditions and covers a wide range of wellness services, including vaccinations, annual physicals, and spay and neuter surgeries.
There are also discounts for families with multiple pets. A 10% discount is given on each additional pet that you enroll. You can budget for the whole family.
The website of the company is very easy to use and contains a lot of useful information, such as a calculator that estimates 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. The customer service staff is friendly and knowledgeable, and there are a variety of support options available including online chats and telephone calls.
Premiums are calculated based on the zip code and breed of your dog. You can customize the coverage you receive by choosing your deductible and a benefit limit that fits your budget.
Pumpkin's Customer Service department is open 24/7. Sign in to the platform and submit claims, change insurance documents, set up automatic payments, and much more. The live chat service is also available from Monday to Friday, 11 am to 4:00 pm (EST).
Coverage for pre-existing conditions
Pumpkin does not cover conditions that are pre-existing and haven't yet been diagnosed or addressed within 180 days. However, it will cover conditions that have been symptom-free and claim-free for six months or more.
Exceptions include costs for breeding, elective cosmetic surgery or spaying/neutering. Pre-existing conditions are not covered if they cause new symptoms after the waiting period.