Pumpkin Pet Insurance Review: Is It the Best Choice for Your Pet?

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Pet insurance is quickly becoming popular for pet owners. As the demand for this service increases, more pet insurance providers are popping up.

Pumpkin Pet Insurance is one of the many pet insurance providers that have launched to capitalize on this growing industry. 

This Pumpkin Pet Insurance review will help you determine if it’s the right solution to protect your pet’s health.

pumpkin logo
4.4
Overall Rating

Summary

Pumpkin Pet Insurance offers cat, dog, kitten and puppy insurance plans along with an optional, non-insurance preventative care plan add-on.

  • Ease of use

    4

  • Application process

    4.5

  • Reimbursement process

    4.25

  • Customer service

    4.75

Pros

  • Choose any vet in the U.S. or Canada
  • Choose from different deductibles/coverage amounts
  • All dogs and cats over 8 weeks old are eligible to enroll
  • 90% reimbursement rate

Cons

  • Optional, non-insurance preventive care add-on is a separate add-on
  • Pre-existing conditions not covered

What is a Pumpkin Pet Insurance Plan?

Pumpkin Pet Insurance plans offer coverage for a variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them.

The provider was founded with the goal of offering  extensive pet insurance plans for pet owners. Ultimately, Pumpkin wants to help pet owners get “the best pet care pawssible”

Pumpkin pet insurance
Graphic from Pumpkin site May 2022

How Does a Pumpkin Pet Insurance Plan Work?

Pumpkin Pet Insurance has a variety of plan options you can choose from. 

You can choose your:

  • Deductible
  • Annual limit

Signing Up for a Plan

To get a quote, simply click on the “Create My Pet’s Plan” button on the Pumpkin site’s homepage in order to get started.

From there, the site will walk you through getting a quote based on the coverage options you choose. 

Pumpkin insurance
Graphic from Pumpkin site May 2022

After you’ve shared the details about your pet and location, Pumpkin will present you with a plan option to help you find what you are looking for. Filing a Claim

Pumpkin Insurance steps
Graphic from Pumpkin site May 2022

Claims can be filed online from your desktop or mobile device.

How Much Does a Pumpkin Pet Insurance Plan Cost? 

The price you’ll pay for your Pumpkin Pet Insurance plan can vary based on multiple factors.

These include:

  • Your pet’s species/breed
  • Where you live
  • Your pet’s age
  • The annual coverage limit you choose
  • Your annual deductible

For this article, I created a plan for my fictitious Labrador Retriever mix, Mutly. 

Graphics from Pumpkin site May 2022

The screenshot below is the monthly premium price for Mutly, in the zip code 15929.

Pumpkin insurance sample plan
Graphic from Pumpkin site May 2022

Pumpkin recommends a $10k annual coverage limit, but Pumpkin plans also have a $20k annual coverage limit option and an “unlimited” annual coverage limit option. 

“Accident and illness” coverage reimburses you for 90% of your eligible vet costs. 

There is also an optional, non-insurance add-on, Preventive Essentials, that would cost $18.95 per month for Mutly.

The Preventive Essentials add-on covers:

  • One blood test for heartworm and tick diseases
  • Yearly annual wellness exam fee
  • Two vaccines for disease prevention
  • One fecal test for intestinal worms

Keep in mind that a Pumpkin plan’s rates can vary based on where you live and the characteristics of your pet. The quote I received likely won’t be the same as the one you’ll receive. Your quote could be higher or lower.

Key Features of a Pumpkin Pet Insurance Plan

Choose Your Veterinarian

Pumpkin plans allow you to use any veterinarian located within the United States or Canada.

This is nice because it means that you don’t have to worry about in-network or out-of-network restrictions. You can keep going to the vet you know and trust.

You also have the option to have your reimbursement payment issued directly to your veterinarian.  

Coverage Options

Pumpkin Pet Insurance plan coverage list provided by Pumpkin:

Pumpkin insurance options
Graphic from Pumpkin site May 2022

No Upper Age or Breed Limits

Pumpkin Pet Insurance plans don’t have upper age or breed limits for coverage or new enrollments. 

However, you may pay different rates based on your pet’s age or breed. See the Pumpkin Pet Insurance website for details. 

Multi-Pet Discount

Pumpkin insurance multi pet discount
Graphic from Pumpkin site May 2022

If you cover more than one pet with a Pumpkin insurance policy, you’ll get a discount on the policy prices for your additional pets.

Pumpkin plans will give you a 10% multi-pet discount for all additional pets. 

Preventative Wellness Coverage Add-On Available

Pumpkin preventative
Graphic from Pumpkin site May 2022

As mentioned earlier, Pumpkin offers a Preventative Wellness package called Preventive Essentials. It’s an optional non-insurance add-on that is available to both cats and dogs.

Preventive Essentials reimburses things like annual exams, some vaccines and other annual wellness services.

30-Day Money-Back Guarantee

If you’re not happy with your Pumpkin Pet Insurance policy or Preventative Wellness package, you can get a refund within the first 30 days.  

However, you can only get a refund if no claims have been covered, and the 30 day money back guarantee is not available in NY. 

You can also cancel your policy at any time. 

Pumpkin Pet Insurance Reviews

Overall, Pumpkin Pet Insurance has received positive reviews. While the company doesn’t have a mobile app that shares user feedback, it is rated on both Trustpilot and the Better Business Bureau website.

Trustpilot

Pumpkin Pet Insurance earned a Trustpilot score of 4.4 out of 5 and currently has over 250 reviews. 

Better Business Bureau

Pumpkin also has a Better Business Bureau (BBB) profile. It earned a “B” and is rated 4.25 out of 5 stars with 16 reviews

Alternatives To Pumpkin Pet Insurance

Even though Pumpkin received high ratings for its services, you may want to know what other options you have for pet insurance providers.

Here are some of Pumpkin’s top competitors. 

Prudent Pet Insurance

Prudent Pet Insurance offers three pet insurance plans, including Accident Only, Essential and Ultimate. 

This insurer boasts that its claims process is “lightning fast.” It also offers add-ons like wellness coverage and veterinary exam fee coverage.

One standout feature that Prudent provides is 24/7 access to a licensed veterinarian via a chat feature. This benefit is included in all plans.

Trustpilot score: 4.7 out of 5

Embrace Pet Insurance

Embrace Pet Insurance has different levels of coverage you can choose from. In fact, it has 10 coverage options. 

It also has an optional Wellness Plan that you can sign up for, and it will let you visit any vet you’d like since they have no networks.

Better yet, Embrace has a free 24/7 pet health line for all members and gives a 5% discount for pet owners currently or previously enlisted in the military.

Trustpilot score: 4.1 out of 5

Healthy Paws

Healthy Paws only has one plan for dogs and cats. The main benefit of this insurer is that there are no coverage caps on its policy. 

Another awesome perk is that Healthy Paws has a foundation that helps homeless pets get the medical care they need prior to their adoption.

However, Healthy Paws may not cover treatment of dental illnesses.Check out the Healthy Paws website for more information.

Trustpilot score: 4.3 out of 5

FAQ

When it comes to pet insurance, you want to make sure you have your bases covered. Pumpkin has a large FAQ section at the bottom of their home page. Here are a few screenshots of common questions to get you started.

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Graphic from Pumpkin site May 2022

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Graphic from Pumpkin site May 2022

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Graphic from Pumpkin site May 2022

Summary

Pumpkin Pet Insurance plans can help owners pay vet bills for covered accidents and illnesses. 

At the end of the day, having a plan in place can help pay for unexpected vet bills.

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