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Pumpkin Pet Insurance Review

In a nutshell: Pumpkin Pet Insurance provides extensive healthcare coverage for pets with different plans for puppies, kittens, dogs, and cats. With customizable plans, no upper age or breed exclusions, and preventative care coverage, Pumpkin is a great option to keep your pet healthy.

Pumpkin Pet Insurance Review

Overview

Pumpkin plans offer extensive accident and illness coverage for pets. Unlike some other plans, this includes dental illnesses, behavioral issues, and hereditary conditions. With a commitment to helping pet owners afford necessary veterinary care, a Pumpkin plan provides a generous 90% cashback on all eligible vet bills. Having access to this type of care ensures that pet parents are able to provide their pets with the best care in the event of an accident or illness.

Recognizing that all pets require regular check-ups, vaccinations, and parasite testing to maintain their well-being, Pumpkin collaborated with veterinarians to create a distinctive wellness package called Preventive Essentials. This is not insurance but an optional benefit that can be added to your plan, providing 100% reimbursements for essential wellness care. With a Pumpkin Pet Insurance plan, pet owners can confidently say 'yes' to safeguarding their pets' health with a blend of extensive coverage and wellness benefits.

Policies

Pumpkin Pet Insurance offers plans with extensive coverage for accidents and illnesses. Their plans go above and beyond, covering essential aspects that other providers may exclude or charge additional monthly fees for.

Pumpkin Pet Insurance plans cover dental illnesses, behavioral problems, hereditary conditions, parasite infections, prescription food*, supplements for covered conditions, alternative therapies, and in-office or virtual vet exam fees for accident and illness-related visits. With this extensive coverage, all pets are protected against a wide array of accidents and illnesses.

Pumpkin plans also offer these benefits:

Preventative care

Pumpkin's Preventive Essentials is your furry friend's wellness package, designed to keep them healthy year-round. It's not insurance but an optional add-on to your plan, providing 100% refunds for some essential routine care. With Preventive Essentials, you can prioritize your dog's annual wellness exam, ensuring their overall well-being. Plus, it helps in preventing diseases with vital vaccines and early detection of harmful parasites through key lab tests.

Inclusivity without limits

Pumpkin's insurance plans have no upper age restrictions or breed exclusions. Regardless of the breed, these policies stay the same, never reducing or decreasing coverage as pets age.

Freedom of choice

With a Pumpkin plan, you have the freedom to choose your preferred licensed vet in the US or Canada. It's your vet, your choice, always. Your Pumpkin plan covers eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital across the US and Canada.

Generous 90% reimbursement

At Pumpkin, they firmly believe that all pet parents deserve nothing less than a 90% cashback on all covered vet bills. There are no "up to 90%" limits, just substantial reimbursement.

Multi-pet savings

Managing a fur family has never been easier with Pumpkin. Their plans offer a 10% multi-pet discount for each additional pet you enroll, helping you budget for your furry companions.

Uniform waiting period

Pumpkin plans maintain a consistent 14-day waiting period** for all covered conditions, ensuring fairness and transparency. This waiting period applies to various conditions, including hip dysplasia and cancer.

Limitations

When it comes to limitations, Pumpkin pet insurance policies have certain exclusions to keep in mind. They do not cover expenses related to specific items, such as aesthetic or orthodontic dental services, anal sac expression when no disease is present, boarding, breeding, pregnancy, and conditions occurring during waiting periods.

Cosmetic procedures like claw removal, grooming supplies, herbs, house call fees, and injuries resulting from intentional neglect or gross negligence are also excluded. Furthermore, pre-existing conditions, prescription food for general health maintenance, preventive care without a specific occurrence, and treatments conducted by the pet owner or a co-owner are not covered.

Please review a sample policy for a full list of exclusions.

Cost

As each policy is personalized to fit your pet's needs, the cost of Pumpkin pet insurance plans varies. Keep in mind that the breed, age, and ZIP code of your dog, along with the reimbursement rate, annual limit, and annual deductible, all play a role in determining your final cost.

For a one-year-old male small dog, a Pumpkin Pet Insurance plan offers extensive coverage. You'll receive a generous 90% reimbursement for all eligible vet bills related to accidents and illnesses.

Customer Support

At Pumpkin, you can expect top-notch customer service from their team of experienced pet advocates. Whether you need help creating the perfect plan or you wish to discover more about the many wonders of Pumpkin Pet Insurance, you can reach their friendly representatives by email or telephone Monday to Friday, 8 am-8 pm EST, and Saturdays, 9 am-5 pm. Furthermore, Pumpkin is currently active on social media platforms, including Facebook, Instagram, and Twitter. You can conveniently connect with their team and share any feedback you have, which will also benefit future customers. As the staff at Pumpkin like to say, they're "always here to lend a paw."

**For Maine residents, plans have no accident waiting period and a 14 day illness coverage waiting period applies to the first policy period. Maine residents may elect at their cost to pursue a Waiting Period Health Assessment. If you and your pet meet the requirements of the Waiting Period Health Assessment, then the waiting period may be modified. Refer to our Notice of Maine Residents for more information.

*PRESCRIPTION FOOD & SUPPLEMENT COVERAGE TERMS: A Pumpkin Pet Insurance plan covers prescription food & supplements to treat an eligible accident or illness. It does not cover prescription food & supplements used for weight management or general health maintenance.

Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Insurance products are underwritten by either Independence American Insurance Company, a Delaware insurance company (NAIC #2658; Scottsdale, AZ), or United States Fire Insurance Company (NAIC #21113; Morristown, NJ); and are administered & produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; New York, NY; CA License #6001617). Please refer to your policy forms to determine your policy’s underwriter. Pumpkin is a licensed insurance agency, not an insurer, and receives compensation based on the premiums for the insurance policies it sells. Preventive Essentials is not an insurance policy, and is not available in all states. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product & administration. For full terms, visit pumpkin.care/customeragreement. Form #100354

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Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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