phone M.
for me
for me so impressive

If pets are your kids, we’re your insurance.Dog, cat – doesn’t matter.When your kid is hurt or sick, a Pumpkin Pet Insurance plan can help you make decisions based on need, not cost, with up to 90% cash back on eligible vet bills. Count on premium accident and illness coverage, plus an urgent pay service that shows up in the moments that matter most – before you pay for treatment. At Pumpkin, we’re here for wellness too, with products to support the preventive care vets recommend every year, through every phase. You want the best for them. We’re right there with you.
Pumpkin Pet Insurance (pumpkin.care) has 3,829 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
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phone M.
for me so impressive
Amy
This was our first claim with pumpkin, and it was seamless, easy and quick. I would highly recommend this insurance for anyone with a pet.
Courtney
The submission and payment process was easy to navigate. They did email me instead of the clinic for records and I had to call to actually get my claim processed but it was great to know pumpkin had my back when making financial decisions for my pets care
Winston
Prompt reply to request for reimbursements for emergency care for my dog.
Nono
Terrible experience. Need to work on communicating.
Response from Pumpkin Pet InsuranceMay 5, 2026
Hi Nono, we are so sorry for any frustrating experiences! Please do not hesitate to reach out to our customer service team, and they would be more than happy to help you with any concerns. They can be reached at 1-866-273-6369 Monday to Friday, 8:00am – 8:00pm EST, Saturday 9:00am-5pm EST.
Tanya
It says that you accept predisposed conditions. I sent in a copy of the estimate that we got for my dog from the vet. My dog has an ear infection and needs her teeth cleaned but they need to put her under anesthesia to do it. But, you denied the claim. I even picked the better plan and it still got denied.
Response from Pumpkin Pet InsuranceMay 5, 2026
Hi Tonya, we definitely understand it can be frustrating when a claim is not approved. Like most providers, we do not provide coverage for pre-existing conditions. This means that if something occurs, or was showing signs or symptoms prior to enrollment or during the waiting period, it would not be eligible for coverage. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Once a claim is filed, it is then processed by a Pumpkin claims team member, all of which have a veterinary medical background. Our claims team uses medical records and documentation provided by your veterinarian in order to determine coverage eligibility. Keep in mind that while we may not be able to offer coverage for pre-existing issues, new unrelated accidents or illnesses may be eligible for coverage. If you need any further assistance, you can reach our care team by phone or chat during business hours, or email us anytime.
Janice
I checked into pet insurance and Pumpkin Insurance was recommended very highly. As we all know with keeping our pets healthy it can be expensive to visit the veterinary office.
Dan
We joined Pumpkin when my dog was already 10 years old. I had concerns that her medical history might prove problematic, but they signed us on with no trouble and the coverage they gave us was excellent. The team at pumpkin were always responsive and relatively fast at processing claims - especially once a precedent for a particular issue had been established. We lost our dog recently, but I’d use Pumpkin again if we ever have another dog.