Is Pumpkin pet insurance any good?
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Was just reading through your guides on pet insurance. I think it’s hilarious that two of the providers are named Lemonade and Pumpkin! 😂 Of course, I’m not going to go with them just because they have a cute name.
That being said, Pumpkin is quite appealing because of its 90% reimbursement rate and 10% multi-pet discount. (we have three dogs and two cats). However, you guys gave them a really low score, so I hesitate to pull the trigger. Is your low score primarily because they have not been in business for five years? How much do you estimate the score would change without this con, since next year they will have met that criteria?
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Pumpkin’s score is primarily low due to its newness. However, there are also some major cons I discovered in my research. Premiums tended to be higher than competitors, it has no app, dental is excluded, and claim processing averages 14-28 days. Other providers have lower premiums, apps, dental coverage, and faster claim processing. Once Pumpkin is 5 years old, I will reassess all of these things and the company as a whole to determine the new score.
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