Pumpkin Pet InsuranceIf 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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Lexi
Compare the reviews here with those on Better Business Bureau. I wonder why they're so different? My experience with Pumpkin is 1 star and you will see what appear to be more honest reviews on BBB.
Response from Pumpkin Pet InsuranceFeb 1, 2024
Thanks for your feedback, Lexi. We'd love to learn more about your experience and how we could better assist you and your pet. Please contact us at [email protected] with your account information so we may assist!
AC
Beware: Had high hopes for Pumpkin and thought I did enough research, however the fine print will always get you in the end, that's how these companies survive. Two things to beware of before you might choose this insurance: 1) If you pay for 'preventive care', their package for things like vaccines, wellness exams, parasite meds, etc.. there is mostly ZERO benefit, it is simply giving them the money first and then they pay it out back to you, so they can make interest on your money. It is not Insurance of any kind, if you use the amount you paid for you're done, if you cancel you will owe the money back to them, if you didn't use it and you cancel, well they keep it anyway. Clever!! Now it does say on the screen it isn't insurance however it is pitched like an add on of sorts as you're setting up your insurance... would you like to add preventive care for $10 (or whatever) a month? Sure... later to find out it is completely worthless...the refunds it states you get is your OWN money! 2) Any vaccines that you think are covered or eligible, well if they're two doses, like Lepto for instance, 1 vaccine given in two parts 10 days apart, well to them that's two vaccines so they won't cover the 2nd dose. Ask a vet if this is still one vaccine, of course it is. 3) If you call and question anything, well that's when the rudeness starts, condescending phone techs.. I had one ask me personal questions about what vaccines I have and then hang up on me. Disappointing I had high hopes for them, but everything so far has been misleading, i'd hate to see what it is like for major payouts.
Response from Pumpkin Pet InsuranceDec 29, 2023
Thanks for your feedback, Anthony. As mentioned, Preventative Essentials is a non-insurance, optional add-on to our extensive accident and illness coverage. This plan reimburses you at 100% for specific services, such as 2 vaccines, 1 wellness exam, 1 fecal exam, and 1 heartworm test for an adult dog, each year. This helps you plan for and budget for some of the basic wellness care you are likely to get for your pet each year. If you have any additional questions about how this plan works, or about our accident and illness policy, please do not hesitate to reach out and we'd love to chat!
Nick L.
Beware they raise their rates 23% on your 2nd year with them. I was at $85 for the first year, then they automatically renewed at $105. No letter, no warning, no claims filed! I can't figure out how to reply to your response on trustpilot, but I did not receive anything about my rate increase and searched my inbox. I just had flashbacks to car insurance companies who give you a low rate for the first 6 months, then increase it greatly after that intro rate. Insurance companies and their games. UPDATING REVIEW - They did it again and raised my rates by another 20% this year. They don't alert you and you only realize it by your monthly credit card fee, then you have to sign in. I just canceled.
Response from Pumpkin Pet InsuranceDec 19, 2023
Thanks for your feedback, Nick! Keep in mind that while rates may increase year over year due to your pets age, breed, and the cost of veterinary care in your region, we will always notify you in advance of any changes to your policy or premium. You can typically expect to receive a letter in the mail about 60 days prior to your renewal. You can also find this information online in your member center, or reach out to a member of our Care Team anytime and we'd be happy to look into this for you!
LA
Liars and cheats. They denied one of my claims after one of their agents told me that any treatment for trauma to a tooth was covered. Then, they refuse to refund me after I requested to cancel my policy. They LIED to me and told me I never requested to cancel because they ‘listened to the phone recording and didn’t hear that said’. Absolutely unbelievable. I remember 100% saying that I wanted my policy canceled because the dentals were the only reason I got the insurance.
Response from Pumpkin Pet InsuranceDec 4, 2023
Thank you for your feedback! We'd love to discuss your claim and policy further to see how we may assist. Please contact us any time at [email protected].
Leelee
I had SUCH a negative experience with them. They looked back in my dogs records for a common dog complaint as a sign of his future serious illness! They are looking for reasons not to pay. That was my third claim and the first two were very cheap sick visits. I’m out almost $2000 to pumpkin and stuck with a large bill they won’t pay. And the coverage annually isn’t a lot. It’s not a good deal. Don’t buy the propaganda on their site. I’m going to appeal and if it doesn’t work I’m going to sue them and file complaints wherever I can. Do NOT get pumpkin. The pits. Also wait till you see how inaccessible the adjusters are.
Response from Pumpkin Pet InsuranceNov 29, 2023
Thanks for your feedback, Leelee. We're sorry to hear we were not able to provide coverage for your sweet pup! 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.
Pregnant L.
This company is a scam. They will find ways to designate everything a "preexisting condition." I paid them thousands, and they reimbursed nothing. Doubled my vet bills. THEIR REVIEWS MUST BE FAKE. Ridiculously expensive for nothing back.
Response from Pumpkin Pet InsuranceNov 29, 2023
Thank you for your feedback. We are sorry we were not able to help with your recent claims. 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.
Tom D.
Pumpkin is a scam! They would not pay for an ear infection b/c they said it was a preexisting condition! Don't waste your time or money with this group! Look somewhere else for honest service.
Response from Pumpkin Pet InsuranceNov 29, 2023
Thanks for your feedback, Tom. We are sorry we were not able to help with your pets ear infection. 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.
Jamazing
Underwritten by US Fire Insurance which is owned and operated by Crum & Forster who is pure evil. I have learned that most positive reviews for any C & F underwritten companies are likely paid and planted because when you have billions stashed in the Cayman Islands, you can pay for PR. Total garbage company, greedy little roaches.
