[Alexa]

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?

[Kimberly Alt]

Hey! Yeah, the pet insurance names definitely make things interesting. At least they’re memorable, right?

You’re right that Pumpkin’s 90% reimbursement and multi-pet discount can be big perks, especially for a multi-pet household like yours. Our lower score isn’t just because they haven’t been around for five years (though longevity does play a role in assessing financial stability). Some of the main reasons Pumpkin ranks lower include:

• Excludes Endodontic Disease – Unlike some competitors, Pumpkin doesn’t cover endodontic disease, which can be an important factor for pet dental care.
• Claim Denials – Some policyholders report claims being denied due to pre-existing condition classifications that they feel were unfair.
• Limited Wellness Plan – Customers have noted that certain routine care expenses aren’t covered, making it less comprehensive than wellness plans from other providers.
• Fewer Reimbursement Rate Options – Pumpkin only offers 80% and 90% reimbursement rates, so there’s no 70% option for those wanting even more control over their premium.
• No Mobile App – While many providers offer an app for easy claims management, Pumpkin only provides an online portal.

That said, Pumpkin is still a strong option for those looking for broad coverage with fewer exclusions, and they may improve over time. If you want to dig deeper into their coverage details, check out our Pumpkin Pet Insurance Review for a full breakdown.

Since you have multiple pets, you might also find our Pet Insurance for Multiple Pets guide helpful—it covers which providers offer the best multi-pet discounts and coverage options.

And if you’re looking at coverage for your cats as well, here’s our Best Cat Insurance Guide to compare options that work well for multi-pet households.

Let me know if you have any other questions!

[Author]

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