Pumpkin Pet Insurance

Pumpkin Pet Insurance is a pet insurance company that offers coverage for dogs and cats, with annual deductibles ranging from $100 to $1,000 and annual coverage between $10,000 and an unlimited amount.

Coverage is available in all 50 states and throughout Canada. Wellness coverage is only included in a separate add-on plan, but you can expect emergency coverage for accidents and illnesses, as well as treatment for eligible conditions and select rehab therapies. Pumpkin will also cover select prescriptive food for certain illnesses or accidents, but it will not cover food costs for weight management or overall health.

You can choose to take your pet to any veterinarian of your choice throughout the U.S. and Canada. After you pay the vet, you can submit your claim online with a photo of your vet bill and any relevant medical records.

Most insurance claims are processed within 10 to 14 days. While it may take longer, it does offer reimbursement of up to 90% after your deductible is met.

Pumpkin Pet offers coverage for both dogs and cats at different annual coverage limits and annual deductibles. Choosing the lowest annual coverage and the highest deductible will result in the lowest per-month plan for your pet.

The company offers a 90% reimbursement rate once you have spent 100% of your insurance deductible. It offers 100% reimbursement back for preventive wellness exams for dogs or cats.

Additionally, you can add optional coverage to any plan, such as the preventive essentials package for an extra $20.95 per month. This add-on plan refunds one annual wellness exam fee, four vaccines, and one fecal test for intestinal worms.

What Pumpkin Pet Insurance does not cover

Not all vet expenses are covered through Pumpkin, including care for pre-existing illnesses or injuries. Pumpkin will not cover any elective surgeries or procedures, including spaying and neutering costs.

Like most pet insurance, coverage costs will vary based on your type of pet, the age of the pet, your location and your level of coverage. For example, an 8-week-old puppy in California can cost between $32 and $101 per month. On the other hand, a mixed breed, four-year-old cat in Arizona can cost between $19 and $77 per month.

Pumpkin Pet Insurance is a legitimate company that covers 90% of eligible veterinary expenses for accidents & illnesses. It covers some veterinarian expenses that other pet insurance companies might not cover, such as dental illness and dental X-rays.