Erik
After two years of paying my monthly…
After two years of paying my monthly premiums on time and submitting no claims, Pumpkin decided to more than double my premiums. As such, I dropped them. Do not support this company; they are in it for the money.
Response from Pumpkin Pet InsuranceMay 5, 2026
Hi Erik, we completely understand your frustration around rate increases. As with all pet insurance, our rates will increase from time-to-time. The rates for pet insurance are determined by factors such as breed, age, gender, species, and average veterinary costs over time. This ensures a fair and accurate calculation of your premium. For instance, certain breeds may be more susceptible to hereditary or congenital conditions, and the probability of medical problems increases with age. Moreover, the geographic region also affects the cost of premiums. The average usage and expenses of veterinary care in the United States are considered, including veterinary inflation due to equipment improvements, medication, and other factors. Like home or auto insurance, your premiums are influenced by factors specific to your region (zip code), which could cause them to be higher or lower than those of your friends or family in different areas.