Pumpkin Pet Insurance review

Pumpkin builds the extras into its base plan instead of selling them as add-ons. Every Pumpkin plan covers in-clinic and virtual exam fees for accident and illness visits, dental illness, behavioral problems, hereditary conditions, parasite infections, physical therapy and prescription food for covered conditions. You choose 80% or 90% reimbursement, and the 90% rate is open to all pets from 8 weeks, seniors included. Annual limits range from $5,000 to unlimited. Pumpkin says it has no breed or upper age restrictions and does not reduce cover as a pet ages. Its waiting period is 14 days or less for all conditions, including knee injuries and hip dysplasia, where many insurers wait longer. Curable conditions that have been symptom and treatment free for 180 days can be covered again, except knee and hind leg ligament conditions. Pumpkin does not publish a starting price; you need a quote. A 10% discount applies to each additional pet.

Who it is for

Owners who want exam fees and extras included in one plan, especially for senior pets.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• 80% or 90% reimbursement, with 90% offered for all pets 8 weeks and older
• Annual limit options from $5,000 to unlimited
• Covers in-clinic and virtual exam fees, dental illness, behavioral problems and hereditary conditions
• Covers physical therapy and prescription food for covered conditions
• Optional Pumpkin Wellness Club for routine care

Strengths and weaknesses

• Strength: No add-on fees for exam fees, dental illness or physical therapy
• Strength: No breed or upper age restrictions and no reduced cover with age
• Strength: Waiting period of 14 days or less for all conditions, including knee injuries
• Weakness: No published starting price
• Weakness: Knee and hind leg ligament conditions that start before cover are never covered
• Weakness: Wellness Club is a separate membership, not insurance

Key facts

• Reimbursement: 80% or 90%
• Annual limit: $5,000 to unlimited
• Waiting period: 14 days or less for all conditions
• Cured conditions: Covered after 180 days symptom and treatment free
• Multi-pet discount: 10% per additional pet

Where it ranks

Pumpkin Pet Insurance is No. 5 in our Best Pet Insurance verdict.