Pumpkin Pet Insurance Pennsylvania Review
Pumpkin is administered by Pumpkin Insurance Services and underwritten in Pennsylvania by Independence American Insurance Company.
Coverage
From Pumpkin's Pennsylvania disclosure PET-PA-Notice-1125-PUMPKIN: underwritten by Independence American Insurance Company. Illness, including congenital, hereditary and orthopedic illness, waits 14 days in the first policy period; anything that occurs before or during the wait is pre-existing. The wait can be waived with a vet exam from 3 days before to 7 days after the start, with the insurer's form sent within 30 days; it then ends on the start date or the day after the exam, whichever is later. Premiums rise with age and may change with location and with claims history. Spot and ASPCA, written by the same insurer, say in their Pennsylvania disclosures that claims do not raise the premium. The policy form, enrollment ages and coverage details were not reviewed.
Scores in Pennsylvania
Without rate pages there is no lifetime cost, so Pumpkin is not ranked in Pennsylvania. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Pumpkin in Pennsylvania are not public or not yet read, so there is no price by age.
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- 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.
- 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
- 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
- Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questions
- Draft page from filing IAIC 26-024273