Like all pet insurance plans, there are some things that are excluded from coverage with Pumpkin plans. Here are the things that are not covered under Pumpkin Pet Insurance plans:
- Pre-existing conditions
- Cosmetic or elective procedures
- Boarding fees
- Breeding, pregnancy, whelping or nursing
- Grooming or boarding supplies
- For a full list of exclusions, you can read a sample policy at pumpkin.care/insurancepolicy
Since our information is based on Pumpkin’s sample policies, our lists may not be exhaustive. If you want to find out whether a certain condition or treatment is covered, Pumpkin recommends calling their customer service team at 1-866-ARF-MEOW and reading a sample policy at pumpkin.care/insurancepolicy.
Pumpkin Pet Insurance Plan Waiting Period
Pumpkin Pet Insurance plans have a 14-day waiting period for all covered accidents and illnesses, with no exceptions. Some plans offered by other providers have longer waiting periods for certain conditions, such as ligament tears or hip dysplasia, ultimately granting these conditions a longer initial waiting period before they can be covered (sometimes up to six months).
Pumpkin Pet Insurance Pre-Existing Conditions
Most pet insurance plans, including Pumpkin plans, don’t cover pre-existing conditions (those conditions that occur or show symptoms before coverage starts or during a waiting period). However, if a pre-existing condition is curable, was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would no longer consider that condition to be pre-existing, ,, with the exception of knee and hind leg ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
It’s important to note that not all pet insurance plans have a curable condition term.
Pumpkin Pet Insurance Plans Cost
Next, we’ll cover the pricing for Pumpkin Pet Insurance plans. Remember, a few unique factors go into calculating your quote, including the plan type, pet type (dog or cat), breed, age and zip code.
Like other pet insurance providers, Pumpkin offers flexible options for a few variables like annual coverage limit, reimbursement rate, and annual deductible, which is great because you can tailor these coverage limits to meet your needs and fit your budget.
Where Pumpkin plans differ from some plans is with their 80 and 90 percent reimbursement rate. It’s worth considering that some other plans offer lower reimbursement percentage rates, often 70 percent or 80 percent, which may make your premium payment lower.
If this sounds confusing, don’t worry. We’ll break it all down for you—here’s how it works:
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Annual coverage limit:
- The maximum dollar amount you can get covered for eligible vet bills per policy year
- Choose from: $5,000, $10,000, $20,000 or unlimited for dogs and $5,000, $7,000, $15,000 or unlimited for cats*
- The higher your annual coverage limit, the more you’ll pay for premiums.
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Annual deductible amount:
- The fixed dollar amount you’re responsible for paying in covered vet bills before your reimbursements kick in
- Choose from: $100, $250 or $500*
- The lower your deductible, the more you’ll pay in premiums
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Reimbursement percentage:
- The percentage of each covered vet bill you’ll be paid back after you meet your deductible
- Fixed at 90 percent
Optional Features
Pumpkin’s optional Preventive Essentials plan is a great way to keep your pet feeling good when they’re healthy. Preventive Essentials is not insurance, but an optional benefit that can be added to any Pumpkin plan. Here’s how it works:
For Dogs
Cost: $18.95 per month
What it Covers:
- 1 annual wellness exam fee
- 2 vaccines for disease prevention
- 1 blood test for heartworm and tick diseases
- 1 fecal test for intestinal worms
For Cats
Cost: $11.95 per month
What it Covers:
- 1 annual wellness exam fee
- 1 vaccine for disease prevention
- 1 fecal test for intestinal worms
Differences for Dogs vs Cats
As with most pet insurance providers, Pumpkin insurance plans are usually cheaper for cats. If you’re a cat owner, this is where you could benefit.
Pumpkin’s annual coverage limit options are lower for cats as well, with options for $5,000, $7,000, $15,000 or unlimited versus $5,000, $10,000, $20,000 or unlimited for dogs.*
Pumpkin’s Preventative Essentials plan is also cheaper for cats, at $11.95 per month versus $18.95 for dogs.* This is because dogs are covered for more prevention treatments, including an additional vaccine and a blood test for heartworm and tick disease.
*These amounts reflect the options at the time of this review and are subject to change.
Pumpkin Pet Insurance Plan Discounts
Great news for pet lovers: Pumpkin offers a 10 percent multi-pet discount on all additional pets for those who have more than one pet in their household.
To get a quote for a Pumpkin plan, simply enter your pet’s information on their website. Quotes are based on factors like your plan type, pet’s age, breed, and location.