Pumpkin is a relatively new player in the pet insurance market, and it quickly gained popularity among dog and cat owners. Pumpkin offers several plans for cats and dogs, including coverage for accidents and illnesses, as well an optional preventative plan that includes wellness visits, diagnostics and vaccines.
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. The company's website is mobile friendly, and it offers phone, text, and email customer support.
Accident and Sickness Insurance
Pumpkin's Accident and Illness Policy is comprehensive, covering almost all the needs of your pet. The policy reimburses 90% of vet bills for senior pets and dogs and cats older than 8 weeks.
Pumpkin offers a 90% reimbursement rate for your aging pet, even if the situation is not ideal. With Pumpkin, your aging furry friend will always get a 90% reimbursement rate, no matter what happens.
Wellness & Prevention Packages
While most pet insurance companies offer a preventive care and wellness plan, few have them for the same price as Pumpkin. The plan does not require pre-existing conditions to be covered and includes a range of wellness procedures, such as vaccinations.
It also provides discounts for multi-pet families, a 10% Fur Family discount on every additional pet you enroll. This helps you budget for your entire furry 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. The company offers a 30-day refund guarantee so that you can test out the service. If it does not meet your needs, then you can cancel without hassle.
The site is optimized to work on tablets and smartphones, even though they do not have a mobile-friendly app. Their customer support team is helpful and knowledgeable. They provide online chat and phone call options as well.
Your pet's zip code, breed and age will determine your premiums. You can customize the coverage you receive by choosing your deductible and a benefit limit that fits your budget.
Pumpkin's customer services department is available 24 hours a day, 7 days a week. Sign in and you can make claims, update insurance documentation, or set up autopay. They also offer live chat Monday through Friday, from 11 am to 4 pm (EST).
Pre-existing condition coverage
Pumpkin does not cover conditions that are pre-existing and haven't yet been diagnosed or addressed within 180 days. It will, however, cover conditions where there has been no symptom or claim for a period of six months.
There are exceptions to the rule. These include spaying or neutering procedures as well as cosmetic and elective surgeries. Additionally, pre-existing medical issues aren't covered for any new symptoms that occur after the policy's waiting period.