Pumpkin Pet InsuranceReviews of pumpkin.care

Fast refund on Essentials Claim

We enrolled our Lotte a year ago. It is excellent, affordable insurance. I recommend,not only purchasing the emergency coverage, but also purchase the annual visit insurance. The refund for the annual visit was direct deposited quickly.

HORRIBLE...good luck on getting your claims paid. My extremely healthy 4-year-old boxer was SEVERELY lethargic, so, I took him to the Urgent Vet for Pet clinic (open and close to my home), because his lethargy was FAR from normal The Vet wanted to rule-out dehydration, possible reaction to Simparica Trio (which he's been on for years and had no issue), or potential cardiac issue. They concurred his lethargy was abnormal for a dog, and took chest x-rays, labs and followed up with 500ml IV fluid, Dexamethasone and Zofran. He was better within minutes of walking out of the clinic that I had to carry him into and acting about 80% normal, but still not quite himself. I followed up with his Vet the next day and they gave him another 500ml of IV fluid. He was back to himself the following day. I am now having to fight the claims adjuster to be properly compensated. Once through this debacle, I'll be switching to Spot, or Embrace (FORBES Top 2). Pre and post pics below. Good luck, Ken Adding to this. They talked me into staying...BIG MISTAKE!!! Moab was being worked up for cardiomyopathy (ARVC, which is unfortunately common in Boxers). Pumpkin denied the claim ($1,300) citing 'pre-existing' condition. I e-mailed them on 11 APR 2026 asking to explain the 'pre-existing' condition and today, 11 days later, nothing. Save yourself time and just put aside money ($100-$200/month) and handle this yourself as Pumpkin is obviously only out for the money and doesn't truly care about the consumer. I'm filing a complaint with the BBB, Writing the Depart of Insurance (NY, VA, and NC), and contacting the underwriters directly (IAIC, and USFIC). E-Mail I sent on 02MAY2026: Cancel my policy immediately!!! No pre-existing condition existed You couldn't even reply to my e-mail asking to explain why you declined to pay for his cardiac work-up or cite what pre-existing condition existed E-mail sent 11 days ago (11 APR 2026) asking for an explanation and unprofessionally no one replied As one who takes services I pay for very seriously, I am: Providing an honest Google review Filing a complaint with the BBB Writing the Depart of Insurance (NY, VA, and NC) Contacting the underwriters directly (IAIC, and USFIC) Regards, Ken

I recently purchased pet insurance through Pumpkin including the wellness additional coverage. I submitted a claim for my dog’s wellness visit on Monday and the claim was processed and the reimbursement was in my bank account by Wednesday. I spoke with a representative before I took my dog in to be sure I knew the process for filing a claim. They were very friendly and knowledgeable and the process couldn’t have been easier.

Pumpkin was quick and easy to approve and pay my claim

I really appreciate the new system for bills over $500. It’s quick and responsive for pet owners who may not have thousands of dollars readily available for expensive surgeries in the moment, while still consistently investing in insurance each month. I’m truly so grateful for this support beyond what you know.

I didn’t have to look for an account number or anything. The young lady that answered the phone knew who I was because of the association with my phone number.

We had the worst experience ever with this company. Our first claim that we filed with them was pending for over 1.5 months. I had to call them to look at it. Recently my second claim has been denied without any reason. It was for a hot spot well within the coverage. Their support link on the website is broken and they just sent me an email notifying me of an 18% increase in premium. We have not had any claims with them yet not even met our deductible. So this is just a little random increase. Overall, stay away from this company. Failed me on multiple levels.