Partner Profile: Pumpkin
Published: February 2021
Meet Pumpkin Pet Insurance
Pumpkin Pet Insurance recently entered the marketplace, embarking on a quest to make better care possible for dogs and cats. Pumpkin is uniquely focused on the complementary relationship between best-in-class pet insurance and preventive care in keeping pets healthier throughout their lives.
Pumpkin Company Overview
Pumpkin Insurance Services Inc., a pet care company and insurance agency, launched its pet insurance in early 2020. With the average cost of veterinary services climbing in the U.S. and so few pets covered by pet insurance, Pumpkin saw an opportunity to offer a solution that could help pet owners and veterinarians work together for the good of pets across the country.
They created a simplified pet insurance plan for accidents and illnesses that goes beyond the industry norm, and paired it with an optional add-on package for preventive care called Preventive Essentials.
This package helps pet owners keep up with the routine care that vets recommend by providing reimbursement for the cost of the yearly checkup, and key vaccines and lab tests. See Pumpkin Optional Wellness Benefit section below for details.
The Pumpkin team of veterinary and insurance experts, product managers, marketers, data nerds, engineers, designers and customer service gurus, as they describe themselves, love and live for their pets and yours.
Pumpkin Plans and Coverage
There are two components to Pumpkin’s approach to better pet care:
- Pumpkin Pet Insurance, a pet health insurance plan that covers 90% of eligible veterinary expenses for accidents and illnesses.
- Pumpkin Preventive Essentials, an optional package that covers eligible expenses for the annual wellness exam, vaccines, and key lab tests that screen for parasites and related life-threatening diseases. See Pumpkin Optional Wellness Benefit section below for details.
Pumpkin’s insurance plan is simple in design and big on benefits. All the basics from diagnostic exams to surgeries are covered for accidents and illnesses, plus a lot of other things you won’t find standard in plans from some other providers. Examples include coverage for hereditary conditions, dental disease, alternative therapies, and even prescription food for eligible conditions.
Coverage and Plan Highlights
Dogs / Cats
Accident / Illness
Preventive Essentials Care Pack
Pumpkin Plan Customization Options
While some insurance providers offer an array of plan customization options, Pumpkin opted for one standard plan that they believe works well for the widest range of pet owners. Their plan offers a 90% reimbursement percentage, with minimal customization options for the deductible and annual benefit limit.
A 90% reimbursement percentage is one of the highest offered in the pet insurance industry. Pumpkin chose this so pet owners can have help providing the care their pet needs, regardless of cost, knowing they will be reimbursed for 90% of eligible services.
Pumpkin offers three annual deductible options: $100, $250 or $500 (the lower the deductible, the higher the monthly premium).
For annual benefit limits, Pumpkin offers $10,000 or $20,000 for dogs and $7,000 or $15,000 for cats. Pumpkin’s analysis of industry data indicates only a very small percentage of pet owners ever exceed those limits in claims in a given year.1 Some other pet insurance providers offer annual benefit limits starting as low as $2,500 and as high as unlimited (the lower the limit, the lower the monthly premium, but the more financial risk in the event of an expensive illness or injury). While a lower annual limit may look tempting from a cost perspective on a monthly basis, you may find that you’re out of pocket thousands of dollars as your pet ages and requires more expensive procedures.
Unlike some providers, with Pumpkin there are no per-incident deductibles and no lifetime maximum on benefits.
Pumpkin believes their set plan limits, standard 90% reimbursement, choice of deductibles and broad coverage provide the perfect amount of protection for every dog or cat.
Plan Customization Highlights
Dogs: $10,000 and $20,000
Cats: $7,000 and $15,000
$100, $250, $500
Pumpkin Coverage Details
When your pet becomes ill or injured, Pumpkin covers an extensive range of treatments including the exam fee and necessary treatments, prescription meds, emergency care, surgery and hospitalization. It also covers things that some other pet insurance providers exclude or treat as add-ons including hereditary and congenital conditions, dental illnesses, advanced care such as chemotherapy, alternative and holistic treatments, and even treatment for behavioral problems.
Accidents and Illnesses
Surgery and Specialized Care
Sick Visit Exam Fees
Diagnostics and Treatment
Dental and Gum Issues
Hereditary & Congenital
Advanced Care (e.g., Chemo)
Emergency & Hospitalization
Some Prescription Food*
*Food prescribed for weight maintenance or general health maintenance is not covered.
Pumpkin Sample Plan Pricing
When you run a quote for Pumpkin, you’ll be asked a series of questions to help Pumpkin learn more about your pet. Some of these questions may impact your monthly premium, while some are informational only and help to inform which options Pumpkin recommends based on your needs.
The cost of your plan, in part, is based on your pet’s breed, age and zip code. Because of their high 90% reimbursement percentage, and higher annual benefit limits combined with the deductible you choose and the factors noted above, the monthly cost for Pumpkin won’t be the lowest in the industry. However, for the premium coverage included in the plan, Pumpkin may be a better overall value than some of the other plans out there.
Here are sample Pumpkin plan prices using the lowest and highest options for a mixed breed dog or cat in an average metropolitan area.3
$55.16 – $105.39
$66.98 – $127.97
$95.56 – $180.66
$23.49 – $49.09
$27.40 – $57.27
$35.23 – $73.63
Pumpkin Enrollment and Waiting Period
Pumpkin plans are available for all breeds of dogs and cats that reside in the U.S. and are ages eight weeks and older at the time of enrollment. There is no upper age limit restriction like some pet insurance providers. There is a 14-day waiting period across the board for all covered conditions. This sets them apart from other providers that have much longer waiting periods of six months to a year for things like knee and ligament conditions or hip dysplasia. Pet owners can use any licensed veterinarian, specialist or emergency center of their choosing in the U.S. or Canada.
Enrollment and Waiting Period Highlights
Minimum Enrollment Age
Maximum Enrollment Age
Accident Waiting Period
Illness Waiting Period
Pumpkin Coverage Exclusions
No insurance company covers everything and there are exclusions with Pumpkin, as with any brand of pet insurance. Exclusions include things like breeding costs, spaying/neutering, cosmetic procedures, non-illness related dental cleanings, and pre-existing conditions. Pumpkin won’t cover conditions that were treated or showed symptoms before your coverage began or during the waiting period—at least initially. However, if a pre-existing condition is curable (such as a urinary infection or a tail fracture) and has been free from symptoms and treatment for 180 days, they will cover it in the future if it occurs again, with the exception of knee and hind-leg ligament conditions. Pumpkin’s flexible twist on pre-existing conditions is a point in their favor compared to some other pet insurance providers.
Dental Cleanings (Non-illess)
Cosmetic & Elective Procedures
For a full list of plan exclusions, please see policy details: https://www.pumpkin.care/sample-plan
Pumpkin Optional Wellness Benefit
Pumpkin Preventive Essentials is an optional package of routine and preventive care benefits you can add to your insurance plan for an additional monthly charge of $11.95 for cats and $18.95 for dogs. It is an integral part of the Pumpkin brand, and one they believe should go paw-in-paw with their insurance plan.
Preventive Essentials was designed with vets for pets and takes a three-pronged approach to wellness: assessing current health, detecting diseases early, and preventing illnesses year-round. It reimburses you for these yearly covered essentials at the top of every veterinarian’s list:
- Annual Wellness Exam – Full reimbursement for the exam fee when your dog or cat goes for its yearly checkup, vaccines and tests
- Vaccines at the Vet – Full reimbursement for any two vaccines for dogs six months and older that you and your vet choose each year (four vaccines for puppies under six months; one vaccine for kittens and cats)
- Lab Tests to Detect Diseases – Full reimbursement for one yearly blood test to screen for heartworm disease and diseases spread by ticks (Lyme, ehrlichiosis, anaplasmosis) or one yearly blood test to screen for heartworm disease only, PLUS one yearly fecal “poop” test to screen for intestinal worms (roundworms, hookworms, whipworms) for dogs six months and older (one yearly “poop” test for puppies under six months and kittens).
* For more information on reimbursement of the yearly essentials underlined above, see Preventive Essentials under pumpkin.care/customeragreement on Pumpkin’s site. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states.
Because Preventive Essentials is separate from your insurance plan, there is no deductible and no waiting period—they will even accept claims for covered services your pet received up to two weeks prior to enrolling. If you have a puppy less than 6 months old, they will reimburse you for any of these services you received at any time before enrolling.
Offering an optional preventive care add-on benefit is not unique to Pumpkin, but their approach is interesting and different. Other pet insurance providers almost always structure preventive care as a list of benefits with a flat-rate reimbursable dollar amount for each. That amount may not cover the full cost for the listed service, or the service itself may not pertain to your pet’s health needs. With Preventive Essentials, eligible services are generously covered as outlined above. This helps to make routine and preventive care an affordable priority for pet owners, and keeps pets healthier in the long run.
Optional Preventive Care Highlights
1 Annual Wellness Exam Fee
2 Vaccines at the Vet
1 Blood Test for Heartworm & Tick Diseases
1 Fecal "Poop" Test for Intestinal Worms
Sample benefits provided above are for dogs over 6 months. To learn more about Pumpkin’s Preventive Essentials Pack designed for pups under 6 months and cats, please see policy details: https://www.pumpkin.care/sample-plan
Pumpkin Claims and Customer Service
The fastest, most efficient way to file a claim, track claim status and manage your account is online via Pumpkin’s site. Log in, follow the prompts to enter claim details, upload a copy of your itemized vet bill and submit. While Pumpkin does not offer a mobile app, their website is mobile-optimized and accessible from any computer, tablet or smartphone. Claims are processed quickly and you’ll receive reimbursement of covered services by direct deposit or paper check, your choice.
If you prefer, you can download and print a claim form and submit it via email or postal mail.
For those times when you need to connect with a human regarding a question or concern, the Pumpkin Care Team is only a click or call away.
Pumpkin Underwriting and Administration
Pumpkin Pet Insurance is underwritten by the United States Fire Insurance Company and administered by C&F Insurance Agency, Inc. (NPN #19084749), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company (2020).
Insurance plans are marketed and produced by Pumpkin Insurance Services Inc. ("Pumpkin") (NPN #19084749). Pumpkin is a licensed insurance agency, not an insurer. Pumpkin receives compensation based on the premiums for the insurance policies it sells.
Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. For full terms, visit pumpkin.care/customeragreement. Pumpkin Preventive Essentials is not available in all states.
Pumpkin Additional Perks
The perks are plentiful with Pumpkin. They give a special welcome gift with their Preventive Essentials pack—a gesture not offered by most other pet insurance providers. Pumpkin also goes the extra mile to educate and entertain pet parents. Their prrrs&wags blog explores pet health, useful tips, and wag-worthy topics, toys, treats and more in a fun, fresh way. They also offer a live Q&A with a licensed vet each month through Healthy Pets With Pumpkin, a public Facebook group.
Also powered by social media, Pumpkin launched #ArfMeowForVets in 2020 in response to the hardship the Covid-19 pandemic put on veterinary practices. Through this innovative relief effort, for every Facebook or Instagram post made during the campaign, Pumpkin donated $5 to the vet tagged in the post, up to $5,000 per clinic, and up to a combined campaign donation total of $50,000.
Other Pumpkin perks include an online portal to submit claims and manage your account electronically using any device, a 10% discount for each additional pet you enroll, and a 30-day money-back guarantee. If you change your mind in the first 30 days, you can be refunded the premium paid if no covered expenses have been applied to your deductible or have been reimbursed prior to cancelation. However, the 30-day money back guarantee is not available in New York.
Additional Perks Highlights
10% Multi-Pet Discount
30-Day Money-Back Guarantee
Pumpkin Final Thoughts
The playful “pet name” Pumpkin was chosen to reflect the emotional connection between pet parents and their fur babies. Because of this connection, most pet owners want their pets to have the very best care possible—just as they want for any member of their family. Pumpkin empowers owners to provide that care by offering extensive pet insurance paired with vet-recommended preventive care that covers pets when they’re sick, when they’re hurt and when they’re healthy. Visit pumpkin.care to learn more about Pumpkin Pet Insurance.
1Based on United States Fire Insurance Company data, August 2019. The data shows less than 1% of insured dog parents typically submit claims totaling over $10,000 in a policy year and less than 1% of insured cat parents typically submit claims totaling over $7,000 in a policy year.
2Pumpkin Pet Insurance products, schedules, rates and discounts may vary and are subject to change. For more information, important terms and policy details, click here: https://www.pumpkin.care/sample-plan/
3Sample plan premiums shown are for illustrative purposes only. Actual plan premiums are based on variables including but not limited to species, breed, age and gender of pet, zip code where the pet resides, and customizable plan options selected. To view Pumpkin Pet Insurance sample plans for dogs and cats, click here: https://www.pumpkin.care/sample-plan/