I've been a Pumpkin Pet Insurance customer for more than five years, but the company no longer provides the level of service that once earned my loyalty. At renewal, my premium increased from about $80 to $135 per month, yet service has noticeably declined. The claims I submit are the same ongoing claims that have been processed for years, but reimbursements that were once handled promptly now take weeks. As a result, I'm left covering hundreds of dollars in veterinary expenses out of pocket while waiting for payment. I submitted multiple claims on May 7, and one still has not been processed. Notably, the only claims completed were most of the ones applied toward my deductible, while the reimbursement claim remains pending. Despite several phone calls, I have received only vague explanations and no clear timeline. As a longtime customer who has consistently paid premiums and referred friends and colleagues to Pumpkin, this has been extremely disappointing. The delays have also affected my confidence in scheduling veterinary care because I can no longer rely on timely reimbursement and may have to carry significant costs for an unknown period. No customer facing steep premium increases should be put in that position. After reading recent reviews, it appears many other customers are experiencing similar delays, suggesting this may be a broader issue rather than an isolated case. I hope Pumpkin improves its claims processing and customer service. Until then, I can no longer confidently recommend the company. read more

Pumpkin Pet Insurance - Concerned Loyal Pumpkin Customer - Pet Insurance Near Me

I used this pet insurance for about 3 years and absolutely loved it. The care, the team, the customer service. Everything about it is amazing! My little Chihuahua was 6 going on 7 when I signed him up and everything was great until each year randomly my minimum coverage would go up. It went up each year and it got to the point that it was just too much to pay for a healthy dog each month. His visits were only a once a year type of thing for his annual exams to the vet. And only one year while I was using the insurance did he get a little sick that we had to do a sick visit at my local vet. The only reason I stopped the insurance is that I was spending $1,200+ a year and barely consuming any of the insurance benefits. Otherwise, this is a great company to use for your dog - especially senior dogs. If I ever need insurance again, I know exactly who to go to and recommend. Pumpkin is amazing! read more

I find it useless as a insurance..its nothing like health insurance. If you dog is a diabetic and needs meds or god know surgery because a kidney is falling ect you won't cover it because its a previous condition do to diabetes.. That is just a example..I will be canceling and putting the 200 dollars a month in a saving for my babies.. I get not covering medication but if a surgery comes up for said condition you won't cover is crazy..said condition caused cancer in let's say a yr nope its said condition related.. Waste of money.. read more

Pumpkin Pet Insurance - Of my dolly boo - Pet Insurance Near Me

One of the worst insurance experiences I've had -- not worth the money I signed up for Poking Pet Insurance because they promised a simple, easy claims process. That couldn't be further from the truth. Every claim I submitted was a nightmare -- incredibly slow, far from user-friendly, and packed with constant back-and-forth. They asked for an overwhelming amount of documents, and then threatened to close the claim if I didn't submit everything within 7 days. It felt more like trying to win a court case than getting help for my sick dog. To make matters worse, they denied half of my claims -- even though my dog was genuinely sick and I followed every instruction. I've been paying over $80 a month for this "coverage," and all I've gotten in return is stress, delays, and rejection. I honestly feel robbed. This company is all promises up front, and pure inconvenience once you actually need them. Think twice before signing up -- I wish I had. read more

Pumpkin Pet Insurance - My cute dog that was denied by pumpkin pet "insurance" - Pet Insurance Near Me

Do not waste your money! You will pay for the policy and pay the vet bill on top of it anyway they cover nothing.

This has been one of the most frustrating insurance experiences I've ever had. What should be a straightforward claim has turned into an endless cycle of document requests with no clear explanation of why each additional record is needed. It feels like the process is designed to delay decisions rather than actually evaluate claims fairly. Every time something is submitted, another request follows. There's no transparency, no clear timeline, and no sense that the customer is being supported. When you're dealing with your pet's health, the last thing you need is added stress from an insurance company that makes the process this difficult. Very disappointing experience overall. read more

Pumpkin is the absolute WORST pet insurance I have ever encountered. I have had 5 dogs and this is the least helpful thus far. They do not cover anything for new pets. We are canceling today & I will let everyone/anyone know of my experience. Go elsewhere! There's so many other options that will actually payout. read more

Super nice when talking to them about the policy but when you submit a claim its a different story! PLEASE SAVE YOUR MONEY FOR YOUR DOG AS THEY TRY TO SCRUTINIZE EVERYTHING TO NOT PAY CLAIM! They harangue the Veterinarian trying to get more answers on every claim knowing they don't have the time but they try to look for preexisting conditions also or lack of vets office response to deny claims and tell you it's up to you to get them answers! They are Professionals to insure all profits go into in their pocket! Don't get ripped off! read more

Horrible thieves. They take your money and cover nothing. Horrible customer support, Do not use this company!

If anyone wants to know about the so called "medical professionals" they hire to review and deny claims they are paid $17 per hour and basically give you the run around anytime you have a claim. So someone who is paid $17 per hour argues with the diagnoses of licensed veterinarians and even veterinary neurologists! Their policies are deceptive and this company should be investigated by every state insurance board. Which is where my complaint is being delivered in California. read more

I love this pet insurance company so much. When I call, I always promptly get someone on the line who is happy, knowledgeable, concerned, helpful, and my claims are paid easily and very quickly. I just spoke with Sam from Texas and she was the absolute best!!! Patient, kind, gave incredible suggestions, guidance, and gave me confidence in the process. My vet recommended Pumpkin because she chose them for her own pets and I recommend them to every friend I have. I will get this insurance for any dog I have in the future. CUSTOMER SERVICE STILL MATTERS!!!! Thank you Sam and thank you Pumpkin!!!! read more

Pumpkin Pet Insurance - Dew Drop loves you all!!! - Pet Insurance Near Me

I got my 8 week old corgi puppy early September. When we took her to the vet for shots we mentioned (as new corgi parents) that she had diarrhea one time and vomited another in the multiple week span we have owned her. 3 months later in December she contracted Parvo. We paid for it and sent a claim to Pumpkin. However Pumpkin denied my coverage because they said the Parvo was a PRE-Existing condition! They said since my dog threw up once and pooped in September that these new Bloody poops were pre-existing. I could not believe it, all these reviews praising Pumpkin made me believe that this was different from other money grab insurances, but they were all wrong. Now I have to file an appeal, and file a complaint with the state. BE CAREFUL! They will do whatever they can to not pay you read more

I'm extremely disappointed with Pumpkin Pet Insurance and would not recommend them to other pet owners. I brought my cat to the vet after he threw up one time. My vet performed blood work, monitored him, and cleared him -- nothing serious or chronic was found. One time. My cat threw up several times and became dehydrated.  Our vet recommended we take him to the emergency hospital for fluids. Despite this, Pumpkin denied the  entire claim, stating that the issue was considered a pre-existing condition.   This is extremely frustrating because my cat was evaluated by a licensed veterinarian and medically cleared with no ongoing condition, yet Pumpkin still refused coverage. If a single incident of vomiting can be twisted into a reason to deny legitimate care, then what are you really paying for? I get pet insurance for peace of mind, not to fight over basic emergency care when something unexpected happens. Instead of support during a stressful moment with my pet, I was left dealing with paperwork, excuses, and a denial. Save your money and look elsewhere -- when it actually matters, they won't be there for you. read more

If I could leave a negative star review, I would. To say that pumpkin pet insurance has the worst customer service, completely lacks transparency, and outright lies about their policies would be an understatement. They deny everything for any reason even when the claim should easily be approved. You want to appeal a claim? Sure go ahead, they're going to keep denying it, even when you show clear proof and have letters from veterinary specialists showing that their claim denial was incorrect and should be reversed. Oh you want them to look at it again? They'll just keep asking for new records despite the fact that they have all the information they need already. Try to get a supervisor on the phone, you can't. You want to talk with someone directly? Nope, you can email, someone will get back to you, but offer little additional help or information. As a veterinary professional working in the industry for 20 years, I would not recommend this insurance even if I was paid to do so. Run the other way. Immediately. read more

I just found out that they do not cover spay or neuter unless there is a medical condition that you need it. The techs at my vet said they thought it was covered under the wellness plan (which I have!) I was super disappointed that pumpkin gives you $0 and are not as clear as other insurance carriers of what exactly they cover. I feel like they try to find reasons not to pay anything. Definitely do not recommend!! I am canceling my policy with them ASAP!! read more

Pumpkin Pet Insurance - Denial of routine care - Pet Insurance Near Me

See all

We have had Pumpkin as our pet insurance provider for our two Chihuahuas for a few years now, and we are so glad that we chose Pumpkin. One of our Chihuahuas, Wyatt, broke one of his toes on his paw, and it was an extensive and long healing process (6+ weeks). Pumpkin was there every step of the way for us. Pumpkin's representatives were so kind, friendly, and compassionate to us. They paid all of his claims promptly. We really appreciated them. They also have paid claims and assisted us with our other Chihuahua, Ambrose, when he has had an illness here and there. Our previous pet insurance company was second rate compared to Pumpkin, and we are so glad we made the switch! Thanks Pumpkin! I highly recommend them for your pet insurance needs. read more

I have to agree with the other reviews stating that they claim everything is a pre-existing condition. They have done the same with me, and it's completely untrue. This was the first time my puppy had ever been to ANY vet with the exception of vaccinations. We think she ate something on a walk that made her sick, and somehow that is pre-existing. Not only will they not cover the claim, but now my puppy isn't covered if she gets sick for the next 180 days. The claim was pending for a month with no communication, and then just a flat denied without any explanation. Don't waste your money with them, select a difference insurance carrier. I am looking elsewhere. read more

I'm relatively new to Pumkin and my first experience with them was disappointing. My small dog recently jumped down off the bed, rather than taking his doggie stairs, and injured himself. He was in a lot of pain. I took him to the vet for an emergency exam and pain medication. The bill was submitted to Pumkin and the claim denied. When I called, the agent informed me that this was considered a "preexisting condition " because my small guy had done this in the past. How can an injury resulting from an accident ever be considered preexisting. According to Pumkin's methodology, your pet cannot get injured the same way more than once. Shame on you Pumpkin. read more

Hi Christine, it seems that Pumpkin tends to take a fairly rigid approach when reviewing claims. With each of the claims I submitted, it felt like they were immediately linked to a pre-existing condition, often without what seemed like a thorough individualized assessment. I even had a claim that literally came back with a denial shortly after submission. Pumpkin's approach came across to me as quite rigid and made the process feel frustrating and one-sided. I've switched to a different insurance provider, where I've experienced a more balanced, fair (and favorable) experience. Thanks for taking the time to respond to my review. read more

scam insurance my sphinx had some ear infection, and they have refused to pay for anything even after getting their coverage just stating the service is not covered and that the service was performed on another pet in which i do not have do not use them read more

Pumpkin Pet Insurance - Pet Insurance Near Me

I have been using Pumpkin Pet Insurance for over two and a half years and have been very happy with the insurance. I initially bought it for an older cat whom I adopted and she ended up having quite a few health problems over the last year. Having pet insurance has meant that I can afford all of her regular treatment, and also holistic treatment as well. I now have another younger cat and have the same insurance for her also. I like that you can choose a wellness plan on top of the insurance, and also decide on your deductible. Majority of my claims were approved and paid. When they say they pay about 90% back, they mean it. Sometimes the claims can take awhile to process, but if you have the invoice and the medical records it goes a lot quicker. read more

I purchased insurance from Pumpkin for a dog I no longer have. I purchased it, and the very next day I asked for a refund. Legally, we have a 30-day "free look" period and money needs to be completely refunded minus any claims. I bought the insurance on August 2nd. I cancelled it on August 3rd. It's now August 22nd and they have yet to return my $. I have inquired many times, and they keep saying they are sending it. I have gotten zilch. Today, one of their reps said they will send it in three payments. "There will be three refunds in the amounts of: $2.00, $18.94, and $57.04, these total $77.99.". Why three payments and why is it taking so long?! If they take this long to process a simple refund to a credit card, I can just imagine how hard it must be to get reimbursed for a claim. I'm contacting the BBB. I'm waiting around to get 2 DOLLARS?! for starters?!!! NO. To boot, I'm a licensed insurance agent and this is some mickeymouse B.S. if I've ever seen it. I would expect to lose my job and my license if I treated a client this way after they cancelled. read more

These people are fantastic! I had a three year old dog named Maddie who required us to take her to a pet emergency clinic when I was out of town. They paid 90% of the bill. She was pretty sick and eventually we had to let her go to a better place. Pumpkin was very helpful. We received a nice card and a candle from them. The people we talked to thru this process were great, They helped us a lot. We now have a new friend name Maggie. We signed her up. She has some issues and Pumpkin is taking care of them. read more

Pumpkin Pet Insurance - This was Maddie - Pet Insurance Near Me

See all

They did approve my claims as of today. I feel as though the decisions they've made regarding approval/denial have been reasonable, but the wait time is still excessive. read more

EVERYTHING is a pre-existing condition with them. They don't pay for anything. Don't waste your money here. Would be cheaper to just pay the vet. read more

doing a 2nd appeal for a claim right now.Claim dept completely ignoring treating vets medical opinion on need for imaging and claiming it's a pre existing condition. Vet wanted to rule out a foreign object in stomach and claim denied cause they couldn't see anything on xray.FYI pumpkin only metal foreign objects will show up on xray! Unless your claims adjusters have a medical degree don't ignore treating MEDICAL professional judgement read more

Worst pet insurance I've ever dealt with. They do not communicate with each other when you file a claim and upload documents. Our first claim was denied for taking her to urgent care for GI issues because they said our cat had a pre existing condition for GI issue when I actually took her in for a possible ear infection on first pet visit when we got her. Two months later. They gave the excuse they were waiting on soap notes from previous vets when rescue had her, which has nothing to do when we had her. So disappointed in this company. You're seriously a scam! Also I'm still waiting on a phone call from supervisor!! Called to talk to someone about denial customer service rep refused to talk to us. read more

Got this insurance when my cat started having eating issues and a runny nose. She wasn't diagnosed till 7 months later (after a lot of trial and error from my vet) as a very rare and severe fungal infection. Luckily this was curable, and when insurance became active I had no diagnosis for what was going on. I submitted every bill I had and they took over 8 months (all of which I was being billed for) to tell me that they can't cover her. No discussion, no refund, just a company exploiting pet owners that refused to cover anything. Don't waste your money or your time. read more

Pumpkin Pet Insurance - Sweet baby Wanda - Pet Insurance Near Me

Worst pet insurance company. I have dealt with pet insurance companies for 20+ years and never had the issues i have had with pumpkin. My last 2 claims, over $200 were declined in full and even my vet and his team could not believe what they refused to cover. I have learned there are so many more cost effective and fair pet insurance companies at far less cost! read more

I posted a review because of a prescription my dog is taking for a year and now pumpkin denied it. The vet has to write a letter to pumpkin n explains that due to cancer now in remission, sensitive stomach Kaiser needs royal canine Diet . The problem is that pumpkin asked me for an appeal... although they made and assumption and denied the prescription diet for kaiser. IF I SUBMIT and appeal then any other claims will be stop for 61 days. Now they strongly raised the premium from 117 to $179. Sadly now I cant move out and imagine how much they will charge me next year. The vet ophtalmologist a year ago had to write a letter to pumpkin bec the claim " assumes" that the only eye kaiser has already has pannus. Took so-much effort and time that the vet said that he will not have pet insurances due to all the problems they present. I had another insurance for my other animals and NEVER they raised the premium more than 10 to 15% each year. Then Belen my malamute husky was having liver failure. All her claims were done in less than a week and the final bill when she left me, was paid directly to UC veterinary hospital. In Pumpkin case when they respond to the reviews, they actually do nothing. The emotional pain was too much with my girl that is why I was not able to choose that insurance Instead I chose pumpkin. read more

Only ONCE did they reimburse me for a claim. The other 3 claims I submitted within a one year period was not covered on the grounds that they were "unsuccessful at retrieving medical records necessary to process this claim." Which is bogus saying I sent them the exact bill sent from the vet (which is exactly what I did for the 1st and was reimbursed). Out of the $600 or so I spent for the year, only $80 reimbursed. $1100 down the drain... On paper, they sound great. Execution...not so much. Very disappointed since that $100/month I could have used taking care of my dog. Complete waste of money. A lot of the reviews I noted, reading them are also sketchy. Seems they bloated it with people on their side to make themselves look good (not mentioning because if they know why I noticed it, then they'll improve their reviews to make it look realistic). read more

I rarely write reviews, despite being active on Yelp for over a decade - so you know if I'm bothering to, it's either very good or very bad. This is one of the latter. Insurance is one of those necessary evils in the world. You always have to have it, but hope you'll never need to make use of it. For our beloved pets especially, you never want finances to be part of the decisions you need to make when it comes to their care. For one of our pups, Olive Jane, we decided to get Pumpkin coverage for her as she's getting a bit older. After having coverage for about 3 months, she was due for her annual check up with her usual vet. She had elevated liver enzyme levels, so the vet recommended further testing and an ultrasound. We, of course, agreed to this. We submitted our claim afterwards expecting for the overage after deductible to be covered... but no. Pumpkin handily denied it, citing "pre-existing condition" as a blanket reasoning, leaving us with over $1000 in charges for the testing. Our coverage for Olive is NOT cheap - over $83/month with a $500 annual deductible. What you expect to get is peace of mind knowing that if tragedy were to occur, you would be covered. If Pumpkin isn't willing to pay for these relatively smaller amounts, how can you have any confidence that they'd have your back when the bills total well over 5 digits? DO NOT be dazzled by low rates for preventative plans and a slick website. What you need from an insurance carrier is coverage - and Pumpkin will not provide that. read more

Pumpkin Pet Insurance - Look elsewhere for coverage - they'll hit you with the blanket "pre-existing" on any claims. - Pet Insurance Near Me

Stuck with them - I have Pumpkin for both of my dogs and have had it for years. I had trouble with them for many different things and wish I could switch but am stuck forever because if you switch the new company won't cover preexisting conditions. They know this which is why they provide bad service and crank up your costs every year. -My monthly Simparica Trio medication with them, as they didn't send them to me on time and my dogs were always out of medicine, so now I have to go buy them at the vet and get them reimbursed. -Claims take awhile, one claim took 2 months to get reimbursed. -One dog's policy went up ***47%*** this year and when I asked why I got a canned response saying I can expect my policy to go up 10-15% per year. That obviously didn't explain anything and when I said that was too much I got a reply saying "Ok, we will cancel your policy if we don't hear back from you in 24 hours and you cannot reinstate it." I was like WHAT why would you do that? I did not ask for it to be cancelled and what if I hadn't of checked my email in 24 hours? I asked to speak to a supervisor and wasn't able to get through to anyone. Cancelling my policy out from under me like that is SO shady. If I could do it again now that Lemonade has pet insurance I would use them but like I said, I am stuck. read more

Pumpkin Pet Insurance - Pet Insurance Near Me

I can't say enough good things about pumpkin insurance. A few weeks ago, I had to make the very difficult decision to put my dog to sleep. I saw numerous vets in the weeks leading up to this. Pumpkin paid every claim without question. I received payment about 10 days after I submitted the claims. In the end, I decided to go with in home euthanasia which was not cheap. Again, I had no issue with reimbursement. A few days later, I received an email that my policy was being canceled with a portion of the month's charge returned to me. Freya was my only pet. I didn't even have to call them. They took care of everything for me. Today. I received a dozen yellow roses from Pumpkin, with a note offering their condolences. Incredibly thoughtful. They made this horrible time just a little bit easier for me. read more

Pumpkin Pet Insurance - Pet Insurance Near Me

Very dissatisfied with this insurance. My 7 month old dog ended up having an ear infection they claimed it was a preexisting issue. It's the first ear infection he ever had. I feel this company is a scam. When I try to reach out to someone they email with they don't cover preexisting problems. I get that but this wasn't I see what kind of company they are. My advise for whatever it's worth go to another insurance company there are plenty out there read more

I thought I loved them, until we had our first anniversary... I did extensive research on pet insurance when I got my puppy last year and decided that pumpkin was a good fit for our needs relative to the cost. At the time my premium was $64 per month for a single dog. I found pumpkin easy to use in terms of filing claims, however I wish they had an app which would've made it easier. That being said review time and reimbursement was quick. However after just one year, with a very healthy dog with no pre-existing conditions and no changes to my policy that would increase my premium (I actually removed the wellness essentials package, which should have decreased my premium), my premium went up an exorbitant amount of 51% bringing it to $97 per month. I can't believe this is a justifiable one-year premium increase based on no change in coverage. I am very disappointed, and of course will now go back to my research to find an alternative provider to switch to. read more

Do to your pet a HUGE favor DON'T get involved to this TRASH insurance they only going to steal your money! They have the worst customer service. They don't care about your pet but your money. Search for other insurance. There's plenty of them. read more

I am beyond grateful for Pumpkin. Our cat got hit by a car and left for dead. He had extensive trauma but we knew he was a fighter. It is because of Pumpkin that we were able make the choice to save him. (We would not have been able to afford it otherwise, and would have had to euthanize him). A few weeks later, he is back home in our arms, purring, playing with his toys and annoying our other cat (his favorite pastime), and getting better each day. We use Pumpkin for our older cat too, and our able to choose the best healthcare for him as well. I recommend Pumpkin to anyone who has pets that are truly family. read more

Pumpkin Pet Insurance - Pet Insurance Near Me

I had Pumpkin for both my dog's, After my first dog passed, I insured the second (who was 5 years old) and passed 6 weeks after my first dog. The coverage was great. Just what I wanted. With the first dog, they reimbursed in a reasonable amount of time. With my second dog, I had 3 claims. But they aren't in review yet! I submitted detailed bills and doctors notes with each bill. I am getting a puppy in one week but don't think I will insure with Pumpkin, i need an insurance company I can trust. read more

Scam complete scam. I have not had one claim paid since May! I Don't know how many times I have called and they have said 2 to 3 days it's definitely bullshit don't waste your $110 a month read more

Pumpkin Pet Insurance - Bennie shi tzu 6 years old - Pet Insurance Near Me