How long has Pumpkin Insurance been in business?
Pumpkin is a relatively new entrant in the pet insurance market, having started its services in 2020.
Established in 2019, Pumpkin was started after its founders took a look at other pet insurance options on the market and found that they were missing one crucial component – preventative care.
Alex Douzet is a Serial Entrepreneur and CEO at Pumpkin Insurance Services Inc. (Pumpkin). Pumpkin is a pet insurance and wellness care provider founded to help ensure pets live their longest and healthiest lives.
About Pumpkin Pet Insurance
Pumpkin Pet Insurance offers a comprehensive accident and injury plan underwritten by the United States Fire Insurance Company.
Yes. Pumpkin premiums do tend to increase each year as your pet ages. Pets become increasingly susceptible to illness and injury the older they get, so Pumpkin tweaks your monthly premium to reflect that higher liability.
| Company | Monthly Cost | Accident Waiting Period |
|---|---|---|
| Pumpkin EXPLORE PLANS | $40-$81 | 14 days |
| Our Top Pick Lemonade EXPLORE PLANS | $15-$30 | 2 days* |
| Spot Pet Insurance EXPLORE PLANS | $34-$75 | 14 days |
| ASPCA Pet Health Insurance EXPLORE PLANS | $18-$44 | 14 days |
JAB Holding Co. has acquired a majority interest in pet insurance platform Pumpkin Insurance Services Inc., furthering its position in the global pet coverage market. Global animal health company Zoetis, which founded Pumpkin in 2020, will continue to hold a minority stake in the company.
If your pet is over age 6, the exam must happen at least 30 days before or 15 days after your policy effective date. Their policy states, “failure to submit your pet to a complete clinical examination may void the policy.” A clinical exam is not required to receive coverage from a Pumpkin insurance plan.
Douzet: We picked Pumpkin for the main reason that people are not just pet owners, they are pet parents. And when you're a parent, you tend to have a nickname for your pet or your children. Pumpkin is one of the most popular nicknames that people give to their dogs or cats.
“Zoetis co-founded Pumpkin with the goal to give every pet the best care possible by offering a competitive pet health insurance and preventive care plan. Today's announcement underscores our continued commitment to Pumpkin and its mission to make the most advanced veterinary care accessible for all.
Does pumpkin cover flea and tick prevention?
Pumpkin pet insurance offers an optional wellness package called Preventive Essentials. Expenses covered by this plan include: Annual wellness exams. Parasite screenings, such as heartworms, hookworms, roundworms, ticks and whipworms.
Pumpkin is a new pet care company on a mission to keep all pets healthy. We believe it's just as important to keep healthy pets healthy as it is to help hurt or sick pets get better.
Insurance underwriting is the process of evaluating a risk to determine if the insurance company will insure it and, if yes, then pricing it. Underwriting began as a manual process based entirely on developed acumen. Today, that process also involves the use of tools such as data analytics and artificial intelligence.
Pet insurers with maximum age limits for new policies often set them at 10 years old, so if your pet is older than 10, you'll want to look for a company with a higher age limit or no limit. Pet insurance for older dogs and cats likely will also be more expensive than a policy for a younger animal.
Claim processing times: Pumpkin guarantees that each submitted claim they receive will be reviewed and processed within 30 days from the moment of filing.
Your pet insurance premium is based on a long list of factors, some of which can change from year to year. If your pet insurance premium has increased, one of these factors may be in play. Age: As your pet gets older, they're more likely to have an expensive-to-cover illness or age-related injury.
You can cancel your Pumpkin pet insurance within 30 days of purchasing coverage and receive a full refund in any state but New York. If you've had your policy for more than 30 days in any state, you'll get a refund for the remaining days in the month.
Does Pumpkin pay the vet directly? Pumpkin's pet plan does not offer vet direct pay. You can get reimbursed for claims via direct deposit or a check in the mail. If you are submitting a preventive care claim, you also have the option to get paid back via eCheck, which is a digital check sent via email.
Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions no extra add-on fees required.
In addition to extensive coverage for pet accidents & illnesses, Pumpkin covers 90% of the cost of microchip implantation by a veterinarian. Request a free quote today to find out other ways Pumpkin Pet Insurance can help protect your dog or cat for life.
Does Pumpkin insurance cover flea medication?
Pumpkin plans cover treatment for parasite infections. The plans offered by Progressive plans don't. Heartworms, ticks, fleas, and intestinal parasites (or worms) are year-round threats to dogs and cats across the US, indoors and out.
The first pet policy in the U.S. was issued in 1982 by Veterinary Pet Insurance (VPI). VPI was founded by a veterinarian from Orange County, CA.
Spot vs.
Pumpkin sells an accident and illness plan and an add-on for wellness expenses, but unlike Spot, it doesn't have an accident-only option. Both companies offer an unlimited annual coverage option for dogs and cats. All Pumpkin plans reimburse consumers 90%, while Spot's reimbursem*nt rates vary.
Its preventive care essential plan is available to dogs and cats as young as eight weeks and covers annual wellness exams, vaccinations and bloodwork.
Parasite Screening Tests
100% refund for 1 puppy or adult dog's yearly fecal “poop” test for intestinal worms + 1 adult dog's yearly blood test for heartworm & tick diseases – key for detecting parasite infections early.
