Pumpkin Pet Insurance: 2024 Review and Rates

Pumpkin earned 4.5 stars out of 5 for overall performance. 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 sells plans that can cover accidents, illnesses and preventive care costs.

Pumpkin’s accident and illness plan covers:

• Exam fees, surgery and hospitalization.

• 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.

You can add the company’s Preventive Essentials package to your accident and illness policy. It covers one annual wellness exam, plus parasite screening and a set number of vaccines each year, depending on the type of pet.

Pumpkin also offers a stand-alone preventive care plan called the Wellness Club, a subscription service designed to reimburse you for expenses such as annual exams, vaccines and flea/tick prevention.

The Wellness Club has two tiers. The Essentials option is similar to the Preventive Essentials add-on, covering:

• Routine bloodwork (dogs only).

The Premium level offers higher annual limits for the services above, plus coverage for:

All Wellness Club plans come with access to a 24/7 pet health line and discounts from select partner brands.

Pumpkin’s accident and illness policy doesn’t cover:

• Cosmetic or elective procedures.

• Dental cleanings not related to illness.

• Most pre-existing conditions.

The Preventive Essentials add-on and Wellness Club plans don’t cover anything other than the specific services listed in each plan.

Deductibles: A pet insurance deductible is the amount of your vet care you need to pay for before your insurer starts reimbursing you. With Pumpkin, you can choose an annual deductible of $100, $250, $500 or $1,000.

Reimbursement amounts: You can choose to have Pumpkin pet insurance reimburse 80% or 90% of all covered vet bills after you’ve met your deductible.

When calculating your claim payout, Pumpkin generally subtracts your deductible from your vet bill before applying your reimbursement percentage. Here’s how that could work if you had a $2,000 vet bill and a $500 deductible.

• $2,000 vet bill – $500 deductible = $1,500.

• $1,500 x 0.9 (90% reimbursement rate) = $1,350 reimbursement.

Coverage limits: You can choose an annual coverage limit of $5,000, $7,000, $15,000 or unlimited for cats. Annual coverage limits for dogs are $5,000, $10,000, $20,000 or unlimited.

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.

The cost of Pumpkin pet insurance depends on where you live, the coverage limits you choose and your pet’s breed and age.

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

We also gathered rates for a variety of cat breeds with the same coverage limits. Rates below are sample monthly premiums for cats living in Katy, Texas.

A 10% Fur Family Discount applies to each additional pet you enroll in a plan.

Pumpkin also offers savings for veterinary staff. And if you pay for your plan annually rather than monthly, you may be able to get a discount.

Pumpkin is licensed to sell pet insurance in all 50 states and Washington, D.C.

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.

The company doesn’t have an app, but the website is optimized for tablets and smartphones.

You can file claims online through Pumpkin’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 find out whether the company will reimburse you.

You can reach Pumpkin’s customer care team by phone at 866-273-6369 Monday to Saturday. 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.

Here’s how Pumpkin stacks up against two other popular pet insurance companies.

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, including one for puppies and kittens and two for adults. The puppy and kitten preventive care package comes with coverage for spaying or neutering — something Pumpkin’s wellness add-on doesn’t include. However, you can get spay/neuter coverage with Pumpkin’s more expensive stand-alone wellness plan.

Unlike Pumpkin, Spot pet insurance offers an accident-only plan as well as an accident and illness plan. It also has 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.

Like Pumpkin, Spot has a more comprehensive accident and illness plan than most, including coverage for alternative therapy, prescription medications, stem cell therapy, behavioral issues and more, as long as it’s due to a covered condition.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

• Analyzed 2,100 data points.

• Got 800+ quotes from pet insurers.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.