Pumpkin pet insurance review 2026: 3.9 out of 5 stars

Pumpkin offers broad mishap and unwellness plans for dogs and cats. Plus, the mishap and unwellness program covers vet exam fees, which not each insurers wage for.

While Pumpkin offers amended sum than immoderate of its competitors, it doesn't person the champion rates. Pumpkin has higher-than-average favored security premiums compared to immoderate of the different favored security companies we reviewed. Because of that, it whitethorn not beryllium the astir budget-friendly enactment for favored parents, but determination are different details to consider.

Learn more: The champion favored security companies

• Vet exam fees are covered nether the mishap and unwellness plan.

• Behavioral and alternate therapy are covered without an add-on.

• Accident and unwellness program covers stem compartment treatment.

• Premiums are much costly than average.

• The 14-day waiting play for accidents is longer than astir different insurers.

• There's nary nonstop vet wage option.

Learn more: Is favored security worthy it?

Here are immoderate features you should see erstwhile buying for favored insurance:

Pumpkin favored security basics

• Annual maximum bounds choices for dogs: $5,000, $10,000, $20,000, Unlimited

• Annual maximum bounds choices for cats: $5,000, $7,000, $15,000, Unlimited

• Deductible choices: $100, $250, $500, $1,000

• Reimbursement choices: 80%, 90%

Pumpkin waiting periods

• For mishap coverage: 14 days

• For unwellness coverage: 14 days

• Special waiting period: None

Pumpkin property restrictions for buying a caller policy

• Minimum favored age: 8 weeks

• Maximum favored age: None

Learn more: Pet security with nary waiting period: How it works

Pumpkin provides robust sum nether its mishap and unwellness plan. The basal argumentation covers a wide assortment of conditions and services, including behavioral therapy, alternate therapy, microchipping, stem compartment treatment, and end-of-life care.

Learn more: Your usher to what favored security covers

Pumpkin’s mishap and unwellness policy

Pumpkin offers a azygous mishap and unwellness favored security policy. The yearly limit, reimbursement amount, and deductible alteration depending connected the sum you select. Here are immoderate of the things that are covered nether the plan:

• Vet exam fees for accidents and illnesses

• Hereditary and congenital conditions

• Diagnostic testing, including X-rays and MRIs

• Dental attraction for accidents and illnesses

• Cancer

• Behavioral therapy

• Alternative therapy

• Euthanasia

• Prescription nutrient and supplements (for eligible unwellness oregon treatment)

• Stem compartment treatment

• Microchipping

Learn more: Pancreatitis successful dogs: Does favored security screen it?

Pumpkin offers 3 wellness plans done the Pumpkin Wellness Club — Essential, Premium, and Elite. These plans tin screen definite types of regular care, similar vaccines, yearly exams, and humor tests, up to an yearly limit. Some care, similar spaying/neutering, whitethorn not beryllium covered by each plans.

Pumpkin Wellness Club members get entree to a 24/7 vet helpline done PawSupport. You tin besides get peculiar discounts connected apical favored brands, similar Basepaws familial investigating for cats and dogs and Ollie canine nutrient (valued astatine much than $200).

Pumpkin’s canine wellness plans commencement astatine $19.95 per period and screen the pursuing services.

Pumpkin's Dog Wellness Plan

Pumpkin’s feline wellness plans commencement astatine $14.95 per period and screen these expenses.

Pumpkin's Cat Wellness Plan

Learn more: Why a favored wellness program is worthy considering

Pumpkin doesn’t screen immoderate preexisting conditions. However, Pumpkin volition screen curable preexisting conditions if your favored has been symptom-free and treatment-free for 180 days. Knee and hind limb ligament issues are excluded, though.

Learn more: Pet security that covers preexisting conditions

Pumpkin’s mishap and unwellness argumentation doesn’t see entree to a 24/7 vet telehealth line. However, Pumpkin Wellness Club members get entree to a 24/7 vet helpline powered by PawSupport.

Pumpkin’s favored security policies won’t screen the pursuing expenses:

• Boarding

• Breeding and pregnancy

• Cosmetic procedures

• Preexisting conditions (unless they're considered curable)

• Experimental treatment

• Grooming

• Illness oregon wounded from intentional oregon negligent activities

• Organ transplants

• Training

• Prescription nutrient not needed to dainty an wounded oregon illness

• Ligament and genu conditions

• Funeral services (burial, urns, etc.)

Learn more: How does favored security work? A implicit guide

You tin summation oregon alteration your sum during the argumentation term, but determination are limitations.

According to Pumpkin’s illustration policy, immoderate alteration successful sum is taxable to underwriting and approval. If you summation oregon alteration coverage, you mightiness person to cancel your argumentation and acquisition a caller one. In that case, you would beryllium taxable to caller waiting periods, and immoderate conditions that occurred earlier the caller argumentation starts would beryllium considered preexisting.

Pumpkin has higher favored security premiums than galore different insurers. But it’s important to retrieve that favored security rates beryllium connected factors similar your pet’s breed and age, location, sum limits, and deductible.

Learn more: How overmuch does favored security cost?

Pumpkin’s mean complaint for a favored security argumentation with $5,000 successful yearly sum is $95.22. Here’s however Pumpkin’s mean complaint compares to rival averages.

For unlimited coverage, Pumpkin’s mean premium is $197.08. The array beneath shows the mean complaint from Pumpkin and different favored insurers that connection unlimited yearly sum plans.

Learn more: How to comparison favored security quotes

Yes, Pumpkin offers a 10% discount if you insure much than 1 pet. You’ll prevention 10% with each further canine oregon feline you enroll. Pumpkin’s multi-pet discount is comparable to astir different insurers’ multi-pet discounts, which typically connection savings of 5% to 10%.

No, Pumpkin can’t wage the vet straight for astir covered services. Typically, you’ll person to wage the vet retired of pouch and taxable your invoice for reimbursement.

However, if your favored needs captious attraction and attraction is expected to outgo much than $1,000, Pumpkin tin wage the measure up beforehand done PumpkinNow. It tin screen up to 90% of eligible claims successful conscionable 15 minutes earlier you wage the vet. PumpkinNow is included connected each Pumpkin security plans.

Learn more: Pet security that pays the vet directly

Here’s the process for filing favored security claims with Pumpkin:

• Submit a assertion online: Sign successful to your Pumpkin subordinate portal and click “Claims.” Fill retired the assertion accusation and upload a transcript of your vet invoice with your pet’s aesculapian records.

• Send a assertion via email: Download the assertion signifier done your subordinate portal, capable it out, and email it with your vet invoice to [email protected].

• Get assistance with claims: If you person questions astir a assertion oregon request help, you tin telephone 866‑273‑6369 oregon email [email protected].

• Dispute a claim: If you privation to quality a denied claim, you tin taxable a written entreaty petition with your assertion number, vet records, and supporting documentation. You’ll get a determination wrong 30 days from the day your entreaty is received.

You indispensable taxable claims to Pumpkin wrong 270 days from the day of service.

Pumpkin pays astir mishap and unwellness claims successful a fewer days. Eligible claims submitted done PumpkinNow are paid successful astir 15 minutes, truthful you tin get reimbursed earlier you wage the vet.

Pumpkin doesn’t person a mobile app, but you tin taxable claims, alteration your profile, and update your billing accusation done the online subordinate portal, which is optimized for mobile.

Pumpkin offers favored security plans successful each 50 states.

No, Pumpkin doesn’t necessitate a vet exam anterior to enrollment.

Here’s however you tin get successful interaction with Pumpkin’s lawsuit service:

• Phone: Call 866‑273‑6369 (Monday done Friday from 8 a.m. to 8 p.m. ET; Saturday from 9 a.m. to 5 p.m. EST)

• Email: [email protected]

• Live chat: Chat with a unrecorded cause online Monday done Saturday from 9 a.m. to 5 p.m. ET

• Mailing address: Pumpkin Insurance Services Inc., PO Box 307, Broadway, NJ 08808-0307

To cancel a Pumpkin favored security policy, you should telephone oregon email the institution with your requested cancellation date. You’ll person a refund connected immoderate premiums you’ve already paid aft the cancellation date. If you cancel successful the archetypal 30 days and you haven’t filed immoderate claims, you’ll person a afloat refund.

Tim Manni and Jamie Young edited this article.

We researched the sum details and prices for 15 favored security plans. We past weighted categories, and each favored insurer was scored comparative to the others to find the champion favored security companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the sum provided by the basal argumentation without the other outgo of add-ons. This encompassed sum for alternate therapy, behavioral therapy, dental illness, euthanasia oregon end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, medicine nutrient and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs successful 5 states for $5,000 and unlimited sum for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited sum option: 10% of score. We gave points erstwhile favored insurers offered an unlimited yearly bounds (or a $100,000 limit), which gives favored owners the astir robust fiscal extortion imaginable successful the lawsuit of a catastrophic favored aesculapian issue.

Direct payments to the veterinarian: 5% of score. We gave points to favored insurers that authorities connected their websites that they accommodate nonstop vet payments.

No peculiar waiting periods for peculiar conditions: 5% of score. We gave points erstwhile favored insurers person nary waiting periods for peculiar conditions, specified arsenic cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that connection a regular wellness program successful summation to favored security received points.

Multi-pet discount: 5% of score. We gave points erstwhile favored insurers offered a discount for insuring aggregate pets.