Pumpkin is one of the newest players in the pet insurance industry. It quickly became popular with dog and cat owners. It offers different plans for dogs, cats, and even horses. Plans include coverage against accidents and illnesses as well as preventative care that covers wellness checks, diagnostics, vaccines, and more.
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 website has been optimized for mobile devices, and customers can contact the company via phone, email or text message.
Accident and Illness Coverage
Pumpkin's accident and sickness policy is comprehensive. It covers nearly everything your dog or cats might need. 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. Pumpkin's policy guarantees that your furry pal will receive a reimbursement of 90%, no matter the situation.
Wellness & Prevention Packages
While most pet insurance companies offer a preventive care and wellness plan, few have them for the same price as Pumpkin. It does not require a waiting time for pre-existing medical conditions. Also, it covers many wellness services such as vaccinations, annual physicals and spay/neuter surgery.
You can also get discounts on multi-pet families. For example, you will receive a 10% Fur Family Discount for every additional pet. This helps you budget for your entire furry family.
The website offers plenty of information and a calculator which can estimate your cost. There is also a 30-day guarantee on their policy, which allows you to try it out and cancel it if the service doesn't suit your needs.
Although they don't provide a mobile app for their website, it is optimized for both tablets and phones. The customer service staff is friendly and knowledgeable, and there are a variety of support options available including online chats and telephone calls.
Premiums are based on your pet's breed, age and zip code. You can tailor your coverage to fit your budget by selecting a deductible.
Pumpkin's 24/7 customer service is available to you. Signing in allows you to submit claims, edit insurance documents, setup autopay and more. Live chat is available Monday to Friday from 11am to 4pm (EST).
Pre-existing Conditions 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. The insurer will only cover conditions for which there have been no symptoms and no claims in the last six months.
There are some exceptions, including spaying and neutering, cosmetic or elective surgery, and breeding expenses. Pre-existing conditions are not covered if they cause new symptoms after the waiting period.