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Pumpkin Summary
Pumpkin was founded in 2020 in response to the pet adoption boom as a result of COVID. Company founders (veterinary vaccine and drug producer Zoetis) stated they created Pumpkin to help ensure pets adopted during the pandemic would have access to the healthcare they need by providing coverage options to new pet parents. In addition to that, Pumpkin filled a gap in the industry by providing options for preventative care coverage.
Pumpkin offers two coverage options: Accident & Illness insurance, and optional Preventive Care coverage. Plan pricing is different for dogs and cats and is also affected by your pet’s age, breed, and your location (which is standard among all pet insurance plans).
Pumpkin Pet Health Insurance is operated by Crum & Forster Pet Insurance Group (C&F Pet). C&F Pet is a licensed agency with a history dating back to 1997 and is one of the largest pet insurance providers in the US, providing pet insurance plans for many of our reviewed companies.
Pros
- Available in All 50 States
- Preventative Care Coverage
- User-Friendly Website
Considerations
- Long Quote Process
- Higher Costs
- Limited Live Agent Hours
Overview
Preventative Care Options
Pumpkin’s stand-out feature is the fact that it is one of the only pet insurance providers that currently offer coverage for preventative healthcare. This is a major benefit for pet owners who want to make sure their pet insurance plan covers anything that might come up and those who like to be proactive and take care of small problems before they become giant ones.
Standard Reimbursement
All of the pet insurance plans through Pumpkin come with a built-in 90% reimbursement rate (the percentage rate at which the insurance company covers eligible expenses after the deductible is applied), which can give shoppers peace of mind in knowing what to expect from a Pumpkin plan. While the monthly premiums can be a bit more than competitors’, pet parents can appreciate getting the maximum coverage available. This is a great benefit for shoppers who want to make sure they can count on the highest level of coverage when their furry family members need it the most.
Online Resources
Another nice feature is the library of resources found on the Pumpkin website’s blog page, which includes articles on a variety of pet-related topics. These interesting and informative articles include helpful tips to improve the health and well-being of your furry family members. This is a great resource for shoppers who like to do their own online research when shopping for pet insurance coverage and want to gain useful information in the process.
Maximum Coverage
The standard reimbursement rates offered on all of Pumpkin’s plans are a feature worth highlighting, since it ensures that pet parents have the most help with their pet’s health expenses. We think this is a notable feature since Pumpkin is one of the only providers to offer this, and those who don’t mind paying a premium for the best coverage will find a lot of value in this benefit.
Why Pet Insurance?
Having Pet Insurance for your furry family members helps protect you from unexpected costs and allows you to access top-notch veterinary care without worrying about costs. Accidents happen — dogs swallow things they shouldn’t, cats land on their paws wrong, even your pets’ seasonal allergies can cause large veterinary bills. Pet insurance mitigates those costs, saves you money, and gives you peace of mind.
Key Advantages of Pet Insurance
- A variety of plan options
From minimum to comprehensive, there is as much variety in pet health insurance as there is in human health insurance. No matter your budget, you’ll be able to find some sort of financial coverage. Plans can cover accidents, illnesses, behavioral issues, preventative care, hereditary conditions, and more.
- All veterinarians included
While some carriers have in-network benefits, it’s more common for pet health plans to be network-free. You can bring your pets to any licensed veterinarian, pay the bill, and get reimbursed for your covered expenses.
- Peace of mind
Veterinary bills are often expensive. Especially if your furry family member needs emergency care or surgery. Pet insurance provides peace-of-mind, knowing you can give your best furry friends the healthcare they deserve no matter what.
- Helps prevent unnecessary euthanasia
2 out of every 3 pets euthanized each week are done solely due to the financial burden of care.*** Pet insurance helps cover the costs of expensive surgeries and illnesses. When faced with the impossible decision to pay for care or euthanize, having pet insurance in place can make the difference. Plus, by being able to better afford comprehensive healthcare regularly, pets stand a better chance of living longer, healthier lives.
