Pumpkin is one of the newest players in the pet insurance industry. It quickly became popular with dog and cat owners. It has a range of plans available for both cats and dogs. This includes accident and illness cover, as also an optional preventative health plan which covers wellness visits.
The company is licensed and regulated by the US government, which ensures that your pet will receive the best possible care from veterinarians across the country. Its mobile-optimized website offers customer service via email, phone and text.
Accident and Illness Policy
Pumpkin offers a comprehensive accident and illness coverage that covers all your pet's needs. It also reimburses vet bills at 90% for dogs and cats aged 8 weeks or older, and senior pets.
It's a big deal, because most insurance companies don't cover older pets or limit the reimbursement percentage. With Pumpkin, your aging furry friend will always get a 90% reimbursement rate, no matter what happens.
Wellness & Prevention Packages
Pumpkin's preventive health care and wellness plans are more affordable than those offered by most other pet insurance companies. Pumpkin's plan is different from other plans because it does not have a pre-existing condition waiting period and offers a variety of wellness services including vaccinations and annual physicals.
There are also discounts for families with multiple pets. A 10% discount is given on each additional pet that you enroll. It helps you plan for the entire furry family.
The website has a simple interface and provides a wealth of information on how the coverage works. It also includes a calculator to estimate your costs. You can also cancel your policy if you don't like it within 30 days.
Their site is optimized for smartphones and tablets, but they don't offer a mobile application. They have a knowledgeable customer service team that is available for online chats and phone calls.
The cost of your pet insurance is determined by its breed, age, and zip code. You can tailor your coverage to fit your budget by selecting a deductible.
Pumpkin's customer service department is available around the clock, and you can submit claims, amend insurance documentation, set up autopay, and more by signing in to the platform. Live chat is available Monday to Friday from 11am to 4pm (EST).
Pre-existing condition coverage
Pumpkin, just like other pet insurers does not provide coverage for pre-existing diseases that haven’t been treated or diagnosed within 180 day of enrollment. It will, however, cover conditions where there has been no symptom or claim for a period of six months.
There are some exceptions, including spaying and neutering, cosmetic or elective surgery, and breeding expenses. In addition, any symptoms that appear after the policy's wait period are not covered by pre-existing health issues.