Pumpkin Pet Insurance
$30–$100/month
Pumpkin Review Summary
Pumpkin Pet Insurance, founded in 2020 and backed by Prudential Financial's venture arm, takes a notably more inclusive approach to coverage than most competitors. Their treatment of pre-existing conditions is unusual: curable conditions that have been symptom-free for 180 days may be covered — a policy that could matter significantly for pets with previous minor illnesses. No upper age limit means even a 15-year-old cat can enroll (at higher premiums). Coverage extends to prescription food recommended for treatment, end-of-life services, and exam fees — categories that many insurers explicitly exclude. The cost is real: Pumpkin consistently prices higher than competitors for comparable coverage. But for owners of senior or medically complex pets, the comprehensive terms justify the premium.
Pros & Cons
✅ Pros
- ✓Covers curable pre-existing conditions after 180-day symptom-free period
- ✓No upper age limit — enrolls senior pets at any age
- ✓Covers prescription food and end-of-life services
- ✓Exam fees, dental illness, and behavioral therapy all included
- ✓90% reimbursement available for senior pets
⚠️ Cons
- ✗Higher premiums than most competitors
- ✗14-day waiting period for both accidents and illness
- ✗Wellness plan covers only basic preventive care
- ✗Limited deductible options compared to some competitors
Coverage Details
| Monthly Premium | $30–$100 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 80%, 90% |
| Annual Limit Options | $7,500, $10,000, $20,000, Unlimited |
| Accident Waiting Period | 14 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✓ Covered |
| Behavioral Therapy | ✓ Covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ exam fees
- ✓ behavioral therapy
- ✓ alternative therapies
- ✓ prescription food
- ✓ end-of-life services
What's Excluded
- ✗ incurable pre-existing conditions
- ✗ elective procedures
- ✗ breeding costs
- ✗ grooming
Best For
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