Compare Pumpkin Pet Insurance

Comparison Fact Sheet
Updated 9/4/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Pumpkin
Also Known As / Affiliates / Partners Zoetis partnered with Crum & Forster in 2020 to create Pumpkin.

Pumpkin Insurance Services was acquired by JAB Holding Company (a German private equity firm) in 2022
Address 432 Park Ave S FL12
New York, NY 10016
Phone 1-866-273-6369
Website www.pumpkin.care
Plans That Provide Full Accident and Illness Coverage Pumpkin Accident and Illness Plan *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance is underwritten by Independence American Insurance Company and United States Fire Insurance Company.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 9/4/2024.

United States Fire Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started 2020

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 8 weeks

Maximum age = No upper limit
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness

14 days for accidents

**Waiting Periods can vary by state. See actual policy or contact Pumpkin to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 14 days for cruciate injuries

**Waiting Periods can vary by state. See actual policy or contact Pumpkin to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Pumpkin for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US, its territories (Guam, Puerto Rico, and the U.S. Virgin Islands) and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Pumpkin for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [INCLUDED] Must be performed by a veterinarian or through a written referral by a veterinarian to a Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB)

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED]

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, some conditions may be considered curable. If a pre-existing condition is curable and has had no treatment and has not shown any symptoms for 180 days, Pumpkin may cover it. This excludes "ligament and knee conditions".

Based on their sample policy, their definition of 'ligament and knee conditions' is: "Conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee."

According to their sample policy on their website, a pre-existing condition is "...Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition."

**See actual policy or contact Pumpkin for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Pumpkin for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [NO] - Spay/Neuter not included in Routine/Wellness Benefits
Dental Care (Routine) [NO] - Routine Dental Care is not included in Routine/Wellness Benefits
Dental Care (Illness/Accident) [LIMITED COVERAGE]

They will cover tooth extractions related to illness or injury.

Dental cleaning are covered if used to treat a covered illness that is not pre-existing.

They do not cover endodontic or orthodontic treatments.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy They will not cover a "ligament and knee condition" if ANY "ligament and knee condition" occurred before your policy effective date or during the waiting period. For example if a dog has been diagnosed with a cruciate tear in their left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period.

Based on their sample policy, their definition of 'ligament and knee conditions' is "Conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee."

It is not clear if there are any other bilateral conditions that fall under this exclusion.


**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care (Refer to each category's section for limitations)

**See actual policy or contact Pumpkin for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
  • Grooming
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 80% or 90%
Deductible Annual Deductible

Choose from $100, $250, $500, $1,000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Reimbursement is based on Actual Costs

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually $5,000, $10,000, $20,000, or unlimited for dogs

$5,000, $7,000, $15,000, or unlimited for cats
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $36.00 - $230.00 depending on your location, options, etc

 

Additional Info
My Review Pumpkin Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com

Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Pumpkin pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Pumpkin for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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