Pumpkin Pet Insurance has garnered attention in the pet insurance industry, earning a solid 4 out of 5 stars in a comprehensive review of 31 providers. This rating was based on various factors, including covered treatments, eligible age limits, and cost considerations. While Pumpkin excelled in covered treatments and age limits, it fell short in offering accident-only plans and charging slightly higher costs for certain pet profiles.
One of Pumpkin’s standout features is its inclusion of coverage for alternative therapies, behavioral issues, hereditary conditions, exam fees, and dental work within its accident and illness plans. This unique benefit sets Pumpkin apart from other providers and makes it an attractive option for pet owners seeking comprehensive coverage. Additionally, Pumpkin offers nationwide coverage and allows treatment from any licensed vet in the U.S. or Canada.
However, Pumpkin does have some weaknesses in terms of customer experience. The provider lacks a mobile app, 24/7 customer service line, and vet chat or telehealth feature, which could be valuable in emergency situations or when filing a claim. Despite these drawbacks, if you prioritize covered treatments over a streamlined customer experience, Pumpkin may still be a viable choice for insuring your dog or cat.
When it comes to pricing, Pumpkin offers one accident and illness plan with customizable annual coverage limits and deductibles. The reimbursement rate is fixed at 90%, which is a unique feature compared to other providers that offer reimbursement rates „up to“ a certain percentage. The average cost of a Pumpkin policy is $79 per month for dogs and $32 for cats, which is slightly higher than the national average.
In terms of coverage, Pumpkin’s accident and illness plan covers a wide range of veterinary costs associated with accidents and illnesses, including diagnostic tests, prescription medications, dental treatments, and more. While the plan excludes coverage for pre-existing conditions, Pumpkin will reimburse previously diagnosed and treated issues if the pet remains symptom-free for at least 180 days.
Pumpkin also offers an optional Preventative Essentials Pack for routine veterinary care, as well as customizable coverage levels with options for deductibles and annual limits. The provider has a 14-day waiting period for coverage and no upper age limit for enrollment, making it accessible for pets of all ages.
Customer reviews of Pumpkin Pet Insurance are generally positive, with praise for the ease of filing claims, prompt payouts, and helpful customer service. However, some reviewers have expressed dissatisfaction with claim denials and unexpected premium increases.
In comparison to other pet insurance providers like Spot and Lemonade, Pumpkin offers unique benefits such as comprehensive coverage for alternative therapies and behavioral issues. While it may have some drawbacks in terms of customer experience, Pumpkin’s focus on covered treatments and customizable coverage options make it a strong contender in the pet insurance market.
