Pumpkin Pet Insurance has a good selection of deductible choices. And also, cover wet exam fees. It has a 90% reimbursement level even for senior dogs and cats. However, you may not find this for older pads with other insurance. In this article, we will provide you with more details about this insurance.
About Pumpkin Pet Insurance
Zoetis created this pet insurance. It’s a company specializing in animal Pharmaceuticals. And by former Ollie co-founder and CEO Alexandra Doucet.
Pumpkin says its pet insurance policy is divided into three core principles.
- Coverage eligibility regardless of age and/or breed.
- Specialized care is based on each pet’s unique needs.
- Data-and Research-informed decision-making and care.
Pumpkin offers several policy types. The main policy offering includes comprehensive coverage for sick care, illness, and injury. There is also an add-on policy option called Preventative Essentials. This care plan covers wellness visits and preventive care. Including vaccination, routine checkups, and important tests such as parasite cleaning.
Pumpkin Pet Insurance Overview
This insurance offers accident and illness coverage for dogs and cats. Plus, an optional preventive wellness package add-on. It isn’t the cheapest pet insurance company. But it stands out for its expansive coverage.
This insurance was founded by animal pharmaceutical maker Zoetis in April 2020. At a time when the Coronavirus keeps people indoors. And causes a spike in Dogs and cat adoptions.
Though it doesn’t have a mobile app, the company’s sleep mobile-optimized website. So, it can ease the sometimes complicated task of taking out insurance. It has a helpful blog for pet owners. And also has positive customer reviews on third-party websites.
Pumpkin Pet Insurance Plans
Here, Pumpkin provides a standard accident and illness policy for dogs and cats. They ensure dogs and cats of various ages and breeds.
For pet owners who want preventive coverage. So, the Pumpkin offers a supplementary option for covering wellness visits along with diagnostic, vaccine, and other routine care expenses.
Pumpkin Pet Insurance Waiting Period
You have to wait 14 days after buying your plan to get coverage. It’s a fairly standard period in the industry for accident and illness coverage.
Pumpkin stands out for its 14-day waiting period for orthopaedic injuries and dysplasia. However, most carriers require up to 6-month waiting periods.
Some pre-existing conditions are also covered at pumpkins. If your pet gets cured of the condition. And hasn’t experienced any symptoms for 180 days.
Pumpkin Pet Insurance Coverages
The insurance offers an accident and illness plan. Here, it covers the widest range of health-related problems. Also, it is the most common type of pet insurance plan. However, Pumpkin does not offer accident-only plans.
Pet accident and illness insurance
Here are some of the expenses that you can expect.
- Accidents such as orthopaedic injury or swallowed objects.
- Advanced cash such as stem cell therapy
- Alternative therapy such as acupuncture
- Behavioural issues like separation anxiety and aggression
- Cancer and growths
- Dental illnesses
- Bite wounds
- Broken bones
- Diabetes
- Emergency visits
- And of life services such as euthanasia, cremation, and burial
- Hereditary conditions such as hip dysplasia
- Hospitalizations
- Illnesses such as digestive issues or ear infections
- Microchip implantation
- Urinary infections
- Toxic ingestion
- Parasites and infectious diseases
- MRIs and CT scans
- Prescription food and supplements for eligible accidents and illnesses
- Prescription medications
- Specialized care
- Surgeries
- Kidney Disease
- Vet exam fees
- Virtual wet visits for accidents and illnesses
- Prescription food and herbal supplements used to treat covered conditions
- Description meditations
- End-of-life services such as euthanasia and cremation.
Pumpkin Pet Insurance Add-ons
This insurance offers an optional wellness package called Preventive Essentials. Expenses covered by this plan include:
- Annual Wellness exams
- Parasite screening such as heartworms, hookworms, roundworms, ticks, and whipworms
- Vaccinations
What Pumpkin Pet Insurance Doesn’t Cover
Here are some problems not covered by this insurance plan.
- Pre-existing conditions that begin before your policy effective date. Or during the waiting period.
- Dental cleanings that are not used to treat an illness.
- The cost resulting from breeding pregnancy whelping or nursing.
- Also, veterinary costs are not directly related to the care of your pet.
- Such as Texas, administration fees, medical ways, and medical records expenses.
- Experiments treatments
- Elective or cosmetic prosthesis of procedure such as tail docking
- Supplements and vitamins are used for prevention and general health maintenance.
- Grooming and grooming supplies
- Boarding
Pet Pumpkin Insurance Coverages Levels
Maximum Annual Limit Options
This is the cap on the reimbursement of your pet insurance plan. And you will pay during the plan years. Pumpkin’s annual limits choices for dogs are:
- $ 10,000
- $20,000
- Unlimited
Pumpkin annual limit choices for cats are:
- $7,000
- $15,000
- Unlimited
Deductible Options
It’s an amount you must pay toward costs before the insurance coverage begins. Pumpkin offers the following deductible options.
- $100
- $250
- $500
- $1,000
Reimbursement level
But insurance is usually reimbursement-based. You pay upfront for your pet’s medical expenses. And also submit a claim for reimbursement for problems covered by your policy. However, Pumpkin only offers one reimbursement level for dogs and cats.
- 90%
Many other plans also have 70% and 80% reimbursement options. Further, they will lower your monthly premium.
Pros and Cons of Pumpkin Pet Insurance
Pros
- Covers veterinarian exam fees for illnesses and accidents
- Optional Wellness coverage
- No special waiting period for problems like injury or hip dysplasia.
- Some competitors have a 6-12 month waiting period for this type of condition.
- 10% multi-pet discount.
- Available in all 50 States and Washington DC.
- A standard policy includes coverage for microchipping.
Cons
- Costs are higher-than-average compared to top competitors.
- 14-day accident waiting period.
- No 24/7 helpline is available.
- There is no option to pay the vet directly.
- Doesn’t have a branded mobile app.
- Customer service is only available on weekdays.
- No coverage for spaying/neutering or dental procedures unrelated to illness.
Conclusions
Pumpkin Pet Insurance offers accident and illness coverage for dogs and cats. It provides many benefits along with some limitations also.
Disclaimer
Here, all the information above is for health purposes. Further, we try to give you some genuine information about this insurance policy. However, we can’t guarantee that all the information is 100% accurate.
