Underwritten by Independence American Insurance Company · Updated 2026-11-09
Excellent
How we scoreThe key terms of a Pumpkin plan. Tap the source under any item to see the exact wording, or read the full Pumpkin sample policy.
Accident waiting period
14 days (Pumpkin says it can be shorter in some states)
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 6retrieved 2026-11-09
Illness waiting period
14 days
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 6retrieved 2026-11-09
Knee & hip (orthopedic) wait
14 days (ligament and knee conditions; no separate longer period)
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 6retrieved 2026-11-09
Pre-existing conditions
Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).
“If your pet's pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence. This does not apply to chronic conditions or ligament and knee conditions.”
Open document, page 6retrieved 2026-11-09
Dental illness
Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.
“Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.”
Open document, page 7retrieved 2026-11-09
Deductible
Annual. Options not in policy.
“Your annual deductible amount is listed on the declarations page and applies during each policy period.”
Open document, page 9retrieved 2026-11-09
Annual limit options
Dogs $5k/$10k/$20k/unlimited; cats $5k/$7k/$15k/unlimited
“($5k, $10k, $20k or unlimited for dogs, or $5k, $7k, $15k or unlimited for cats)”
Open document, web pageretrieved 2026-11-09
Maximum enrollment age
No upper age limit
“there's no upper age limit to enroll in a Pumpkin plan.”
Open document, web pageretrieved 2026-11-09
Pumpkin Pet Insurance
Accident waiting periodThe policy says
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Policy, page 6Why it matters: Marketing says '14 days or less, depending on your state'. Pumpkin's Maryland notice mentions only a 14-day illness wait, which suggests no accident wait in some states. The TX sample sets 14 days for accidents.
What customers say
“They make filing claims really easy! I have been very happy!”
Leslie M. · Trustpilot review
“Quick decision and prompt payment when needed. Claim super easy to submit.”
Fabio · Trustpilot review
In the policy document we read: accidents, 14 days (Pumpkin says it can be shorter in some states); illness, 14 days; knee and hip conditions, 14 days (ligament and knee conditions; no separate longer period). Waiting periods can differ by state.
Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee). (from the Pumpkin policy document).
Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded. (from the Pumpkin policy document).
No upper age limit. This comes from the Pumpkin website; the policy document leaves it to the declarations page.
This page reads a sample Pumpkin policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.