Pumpkin Pet Insurance New Jersey Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Pumpkin review · Pet insurance in New Jersey

Pumpkin inNJNew JerseyChange state
This page is a draft: we have not read Pumpkin's New Jersey rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Pumpkin is administered by Pumpkin Insurance Services and underwritten in New Jersey by Independence American Insurance Company.

Coverage

The New Jersey sample policy (PET-P-20000-NJ-1024, March 2026) still has a 14-day waiting period for accidents as well as illnesses and knee conditions, and no vet-exam waiver. From 1 January 2027 New Jersey law bans accident waiting periods, so this form has to change for policies issued from then on. A condition cured and symptom-free for 180 days is covered again, but not chronic or knee conditions. Some coverage changes count as a new enrollment, with new waiting periods and new pre-existing conditions. The 30-day money-back guarantee applies only if nothing was paid or applied to the deductible. The state regulator's list of insurers does not name Pumpkin; the sample policy names Independence American Insurance Company. No New Jersey rate filing has been read.

Scores in New Jersey

Without rate pages there is no lifetime cost, so Pumpkin is not ranked in New Jersey. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Pumpkin in New Jersey are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Corrected the comparison of Pumpkin's indicated and selected Florida increases: rates would need to rise another 14.3% to reach the indication, on claims alone or including the January change. Clarified that California's +7.9% is the overall change across V4 products and that the 60% cap applies at each of three renewals.
  2. Florida prices now use the approved manual FL_20260724 in filing 26-024273 (the draft FL_20260430 was used before); the Florida filing row and scores use Pumpkin's own channel figures (+31.31%, indicated +50.14%, projected loss ratio 89.81%); added BBB and Trustpilot ratings checked on 13 October 2026
  3. Corrected Florida base rates to the approved manual FL_20260724; separated the 1 January 2026 accident-wait change from the 1 October 2026 increase; replaced an unsourced ownership claim with the policy disclosure; clarified age, renewal, waiver and loss-ratio wording
  4. Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questions
  5. Draft page from filing IAIC 26-024273