Pumpkin is a newcomer in the pet insurance sector, having launched in 2019, and is making notable advancements to establish its identity within the industry. While most pet insurance companies adhere to similar guidelines and offer standard plans, Pumpkin distinguishes itself by prioritizing preventative care and health insurance.

The company simplifies its insurance plans with easily understandable deductibles, which is a positive step in our view. Pet owners can choose between a standard insurance package or one that includes a preventative care add-on, making Pumpkin a suitable option for pet owners with diverse needs. Pumpkin asserts that its plan limits, deductible choices, standard reimbursement rates, and coverage options deliver the optimal level of protection for both cats and dogs.

Visit the Pumpkin website to explore the specifics of their coverage. Many items that Pumpkin covers are either excluded or incur additional fees with other insurance providers. The standard coverage includes:

If you opt for the preventative coverage, you’ll gain access to additional benefits, which include:

As with any insurance provider, not everything is covered, so it’s crucial to review the terms and conditions of your policy carefully. Pumpkin strives for transparency regarding what is included and what is excluded in its policies. You can view a sample policy on their website.

Like many insurance companies, Pumpkin does not cover pre-existing conditions; however, there are some exceptions. More information about how pre-existing conditions are treated can be found on Pumpkin’s website.

Pumpkin provides insurance coverage for both cats and dogs, with slight price variations between the two. Monthly premiums for cats are generally lower, alongside a lower annual limit. The exact monthly premium is influenced by multiple factors related to your pet type and the coverage you choose. As a result, determining the specific amount owed by pet owners requires obtaining a direct quote from Pumpkin.

When comparing pricing, it’s important to consider deductibles, annual limits, and reimbursement percentages. Many insurance providers allow you to select different coverage limits and reimbursement levels. Pumpkin offers set options based on extensive data analysis to find ideal amounts for most pet owners. Reimbursement is standardized at 90%, while pet owners can select their own annual coverage limits. Please refer to the table below for details specific to dog and cat owners.

Some pet owners might be concerned about the limited options regarding annual limits, particularly if they feel that unlimited coverage is essential for optimal protection. However, Pumpkin has dedicated significant resources to researching ideal coverage limits that offer the best value for pet owners. They have analyzed trends in pet owner spending and identified that less than 1% of pet owners exceed $10,000 annually on veterinary care. For the remaining 99%, opting for unlimited coverage is often unnecessary. While having more options may appear appealing, saving money is typically more beneficial. Pumpkin prioritizes the latter for its customers.

You needn’t worry about reimbursement percentages if you’re looking to reduce your monthly premiums. Other insurance providers might only cover 70% or 80% of costs for lower monthly premiums, which may seem beneficial initially. However, when faced with a hefty vet bill, you may regret not choosing a higher coverage plan, resulting in significant out-of-pocket expenses.

Despite being a newer player in the market, Pumpkin leverages years of data and insights gained from other companies to support their insurance offerings. They have identified the strengths and weaknesses of their competitors and crafted an insurance plan that meets the needs of both cat and dog owners effectively.