Pumpkin pet insurance review 2022

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Pumpkin’s plans and coverage

Pet Health Insurance Plan: Pumpkin’s standard pet insurance plan covers veterinary costs related to diagnosing and treating accidents and illnesses. The essential plan includes services that another pet insurance firms only offer at a further cost, corresponding to microchipping, treatment of behavioral issues, prescription food and alternative therapies like acupuncture. 

The Pet Health Insurance Plan also covers the next:

  • Prescription medications
  • Surgery
  • Lab tests
  • Hospitalization
  • Medical supplies
  • Diagnostic tests, corresponding to X-rays, MRIs and CT scans
  • Supplements used to treat an illness or accident 
  • Mandatory dental treatments, corresponding to tooth extraction
  • Nonessential dental care, corresponding to cleanings
  • Exam fees related to a covered accident or illness

Preventative Essentials Pack: Pumpkin also offers an add-on wellness advantages package for routine veterinary care. While not insurance, the Preventative Essentials Pack will offer you partial refunds for services like an annual checkup and vaccinations. The optional plan costs about $12 extra monthly for cats and slightly below $20 for dogs.

The next are included within the preventive care package for dogs:

  • Two vaccines
  • An annual wellness exam
  • A heartworm blood test
  • A tick disease blood test
  • One fecal test for worms or parasites

The Preventative Essentials Pack for cats includes the next:

  • One vaccine
  • An annual wellness exam
  • One fecal exam for worms or parasites

Pumpkin has a separate Preventative Essentials Pack specifically for puppies and kittens between 8 weeks and 5 months old that covers 4 vaccinations, the routine wellness visit and fecal exam for worms or parasites. Pumpkin gives full refunds for as much as 4 vaccines, even in case your puppy or kitten has already received some or all of them prior to enrollment. 

Pumpkin’s exclusions

Like nearly all pet insurance providers, Pumpkin doesn’t provide coverage for any congenital or hereditary conditions diagnosed before the tip of the corporate’s required 14-day waiting period for claims. A waiting period is the period of time after enrollment before you might be eligible to receive reimbursements. 

Although preexisting conditions aren’t covered, Pumpkin will provide reimbursements for previously diagnosed and treated issues after your pet goes not less than 180 days with no need additional treatment or showing any symptoms. This clause doesn’t include knee- or ligament-related problems.

The next are a few of Pumpkin’s other exclusions:

  • Organ transplant
  • Heart valve substitute
  • Funeral services
  • Grooming
  • Cosmetic procedures, corresponding to tail docking and declawing
  • Elective procedures
  • Herbal supplements and skin products

While Pumpkin is on the market nationwide, policy details can vary by state, so it’s best to download the sample policy for the state by which you reside.

Plan customizations

  • Deductibles: $100, $250 or $500
  • Annual limits: $10,000, $20,000 or unlimited for dogs; $7,000, $15,000 or unlimited for cats
  • Reimbursement rates: 90%

Pumpkin’s premiums

Pumpkin reimburses approved claims at 90% across all plans, no matter your location or your pet’s age. Customers can pick from three annual coverage caps and deductible amounts to get a monthly premium inside their price range. 

The chart below shows variations in prices depending on deductible and annual limit amounts and your pet’s size. The quotes included within the chart are based on plans for 5-year-old dogs and cats in Atlanta. Sample pricing assumes a $15,000 annual limit and $250 deductible for cat plans and a $10,000 annual cap and $250 deductible for dog plans.