pumpkin dog insurance Review Pros and cons

A dog or cat can be a great addition to any family, but owning a pet can significantly increase your household expenses.

Heart

Founded in 2022, Pumpkin is one of a number of relatively new providers in the rapidly growing pet insurance industry.

Heart

Pumpkin Pet Insurance offers an accident and illness plan that provides extensive coverage for dogs and cats. Some of the costs you can expect to be covered include:

Illnesses such as digestive issues or ear infections Accidents such as orthopedic injuries or swallowed objects Emergency visits Vet exam fees Virtual vet visits for accidents and illnesses

MRIs and CT scans Hereditary conditions such as hip dysplasia Surgeries Specialized care Cancer and growths Hospitalizations Behavioral issues Alternative therapies such as acupuncture Dental illnesses

Advance care such as stem cell therapy Prescription medications Prescription food and supplements for eligible accidents and illnesses Microchipping

Pumpkin Pet Insurance has an optional wellness package called Preventive Essentials Add-on Health. Helps pay for things like annual wellness exam fees, vaccines, fecal exams and heartworm tick disease

Here are some problems not covered by Pumpkin Pet Insurance plans:

Pre-existing conditions that began before your policy effective date or during the waiting periodDental cleanings that are not used to treat an illness covered by your policy

fertility, pregnancy, home or nursing Veterinary expenses not directly related to your pet's care, such as taxes, administration fees, medical waste and medical records expense experimental treatment

elective or cosmetic prostheses or procedures such as tail docking Supplemental vitamins used for general health  grooming supplies boarding Funeral services such as caskets, urns, burial plots

pros Unlimited annual coverage for both dogs and cats. Veterinarian exam fee for illnesses, accidents is included. Optional welfare coverage.

pros No specific waiting period for conditions like knee injury, hip dysplasia Discount for insuring multiple pets 90% reimbursement level for dogs and cats 8 weeks of age and older including senior dogs

Cons 14-day accident waiting period (some top competitors have only a 2 or 3 day waiting period). No 24/7 pet healthline available. No accident-only plan available.