Pumpkin Pet Insurance Review 2023
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Pumpkin
Pay vet directly
Scope of coverage
Ability to customize plan
Pumpkin
Pay vet directly
Scope of coverage
Ability to customize plan
Pumpkin pet insurance offers comprehensive insurance policies and preventive care plans for cats and dogs across the country. There’s no maximum age limit for pets to apply, and all breeds are welcome.
Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
Pumpkin pet insurance
Pumpkin earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.
» MORE: The best pet insurance companies
State availability
Available in all 50 states and Washington, D.C.
Pumpkin pet insurance plans
Pumpkin offers one accident and illness plan for cats and dogs. There are no lifetime limits, and annual limits range from $7,000 to unlimited.
You can add the company’s Preventive Essentials package to your policy. It covers one annual wellness exam, plus parasite screening and a set number of vaccines each year, depending on the type of pet.
What Pumpkin pet insurance covers
The standard Pumpkin policy includes:
Dental illnesses.
Behavioral issues.
Hereditary conditions.
Parasite infections.
Prescription food and supplements.
Alternative therapies.
Exam fees, surgery and hospitalization.
Cancer treatments.
Microchipping.
Diagnostic tests.
Some pre-existing conditions (only if the condition was cured and the pet is symptom-free for 180 days). This does not include knee and hind leg ligament conditions.
» MORE: What does pet insurance cover?
What’s not covered
Pumpkin's policy doesn't cover:
Breeding costs.
Spaying and neutering.
Cosmetic or elective procedures.
Dental cleanings not related to illness.
Most pre-existing conditions.
Herbal supplements.
Pumpkin coverage options
Deductibles: You can choose an annual deductible of $100, $250, $500 or $1,000.
Reimbursement amounts: Pumpkin pet insurance reimburses 90% of all covered vet bills after you’ve met your deductible.
Coverage limits: You can choose an annual coverage limit of $7,000, $15,000 or unlimited for cats. Annual coverage limits for dogs are $10,000, $20,000 or unlimited.
Restrictions and waiting periods
Age restrictions: All dogs and cats 8 weeks and older are eligible for coverage. Pumpkin doesn’t have a maximum age limit.
Waiting periods: A waiting period is the time between when you buy your policy and when your coverage takes effect. Pumpkin offers a 14-day waiting period for all covered accidents and illnesses, including hip dysplasia and knee injuries.
» MORE: Is pet insurance worth it?
Discounts
A 10% Fur Family Discount applies to each additional pet you enroll in a plan.
Consumer experience
Website: Pumpkin’s website is easy to use and includes detailed coverage information for cats, dogs, kittens and puppies. You can download a sample policy for your state, and apply for a free quote.
App: The company doesn't have an app, but the website is optimized for tablets and smartphones.
Claims: You can file claims online through the company’s website or download a form to email to the company. Pumpkin will send you a check or deposit your payout directly into your bank account, depending on which option you choose. You can track the status of your claim in your online account.
If you’re considering an expensive treatment, such as a surgery, that you’re not sure Pumpkin will cover, you can contact the company in advance to get an estimate of how much the company will reimburse you.
Customer service: You can reach Pumpkin’s customer care team by phone at 866-273-6369 from 8 a.m. to 8 p.m. EST, Monday to Friday. Alternatively, you can email [email protected] and receive a reply within a day. The website also has a live chat option if you want to speak to a representative online.
» MORE: How much is pet insurance?
Pumpkin vs. competitors
Here’s how Pumpkin stacks up against two other popular pet insurance companies.
Pumpkin vs. Lemonade
Like Pumpkin, Lemonade sells accident and illness coverage for cats and dogs. However, Lemonade’s basic plan doesn't cover things like behavioral therapy or dental treatments. Instead, it costs extra to add them to your policy. To compare, Pumpkin includes coverage for these treatments in its standard plan.
Lemonade offers three types of preventive care packages: Preventative, Preventative+ and Puppy/Kitten Preventative. The puppy and kitten preventive care package comes with coverage for spaying or neutering — something Pumpkin’s wellness add-on doesn’t include.
Read our Lemonade pet insurance review to learn more.
Coverage options | Pumpkin | Lemonade |
|---|---|---|
Deductible range | $100 to $1,000 per year. | $100 to $500 per year. |
Reimbursement | 90%. | 70%, 80% and 90%. |
Annual limit range | $7,000 to unlimited. | $5,000 to $100,000. |
Pumpkin vs. Spot
Unlike Pumpkin, Spot pet insurance offers an accident and illness plan as well as an accident-only plan. It also offers two preventive care plans to choose from. The basic preventive care plan pays for things like vaccines and a wellness exam, while the higher-priced option adds extra coverage for spay/neuter surgery, urinalysis and blood work.
Spot’s accident-only plan includes coverage for alternative therapy, end-of-life expenses, prescription medications, stem cell therapy, tooth extractions and more, as long as it’s due to a covered accident.
Read our full Spot pet insurance review.
Coverage options | Pumpkin | Spot |
|---|---|---|
Deductible range | $100 to $1,000 per year. | $100 to $1,000 per year. |
Reimbursement | 90%. | 70%, 80% and 90%. |
Annual limit range | $7,000 to unlimited. | $2,500 to unlimited. |
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
