Pumpkin Pet Insurance Review: A New Pet Insurance Option

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Dog with pumpkins (caption: Pumpkin Pet Insurance Review)Pumpkin is a newcomer, entering the pet insurance world in 2020. Their wellness program brings something unique to the industry and they are the first pet insurance company to incorporate under a global pharmaceutical giant. At first glance, Pumpkin appears to offer a solid and innovative product to protect pet owners, but let’s dig in to learn more.

Visit Pumpkin’s Website

Article Overview

Two dogs in grass (caption: Pet Insurance Reviews)Alternatives To Pumpkin

We don’t include Pumpkin or any company with less than five years of experience in our annual pet insurance rankings because it takes time for providers to establish a consistent customer experience. To find the best, our experts regularly analyze over a dozen established companies. Learn more about this year’s top-ranked companies.

Key Features

  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
  • A.M. Best rating: A
  • No exam required prior to enrollment
  • Submit claims online within 270 days of service and track their status via your account
  • Reimbursement options: Policyholders can opt for direct deposit or check in the mail, and an eCheck option (digital check sent via email) for Preventative Essentials claims
  • You can transfer your pet’s coverage when you transfer pet ownership
  • For an additional cost, Pumpkin offers a Preventive Care plan that includes reimbursement for a wellness exam, a few vaccines and annual screening tests for select health concerns.
  • Formed under Zoetis, the world’s largest global animal health company

Pre-Existing Conditions

Pre-existing conditions play a major role in pet insurance, but the definitions can vary by company.

A pre-existing condition is defined by Pumpkin in their policy as:

Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.

Customer Service Hours

  • Email: help@pumpkin.care
  • FAQ
  • Live chat: coming soon
  • Phone: 866‑273‑6369
    • Monday – Friday from 8am to 8pm EST
  • Text: 559-853-4779

What Does Pumpkin Offer?

Pumpkin offers pet insurance and preventative care. Read more about the pet insurance services included in a Pumpkin plan on their website.

Preventative Care Plan

If you opt to pay extra for preventative care through Pumpkin, here’s what you will be reimbursed for.

  • Annual wellness exam fee
  • Select vaccines each year (2 for dogs, 4 for puppies & 1 for cats)
  • Yearly screening tests (dogs: fecal exam and screening for vector-borne diseases or heartworm; puppies and cats: fecal exam)

Pumpkin’s Preventive Care plan costs $227.40 per year for dogs and puppies; $143.40 for cats.

Customer Opinions

We typically share a couple of positive and negative reviews from customers in our pet insurance reviews, but we’re unable to for Pumpkin because it’s so new. If you have experiences with Pumpkin, we encourage you to share them in our comment section below.

Is Pumpkin The Best Pet Insurance For My Dog?

Visit Pumpkin’s Website

Since it’s so new to the industry, there’s still a lot of room for this company to experience many changes (we witnessed some even during the 8 weeks we were working on this review!). We like to give companies 5 full years of experience before ranking them in our pet insurance reviews. It’s common for pricing to fluctuate, underwriters to change and customer service and claims experiences to vary because it takes time for a company to get its footing.

If you do not feel Pumpkin is right for your pet, we invite you to read up on our top 3 picks for pet insurance.

What stands out most for you about Pumpkin pet insurance?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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