Maru P.
One of the worst insurance experiences…
One of the worst insurance experiences I’ve ever had. Big promises in their marketing, but a completely different reality when you submit a claim. Denied claim, poor communication, and a lot of unnecessary stress. I am now filing a complaint with the State Department of Commerce and Consumer Affairs Insurance Division.
Response from Pumpkin Pet InsuranceMar 18, 2026
Hi Maru. 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.