Charles
Great service
Great service. Quick response. High level of professional conduct.

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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Charles
Great service. Quick response. High level of professional conduct.
Chuck
Fast and easy
Larry
Fast and easy.
Gretchen K.
Quick turnaround with claim
Bella
Not sure if I choose the correct company for my angel. Not one of your representatives called after the policy was made . What a shame .
Response from Pumpkin Pet InsuranceJan 13, 2026
Hi Bella! I am so sorry for any disappointment. Since our customer service team does work on inbound customer calls, one of our team would be more than happy to discuss your plan with you. Please give us a call whenever you would like at 1-866-ARF-MEOW (1-866-273-6369), Monday to Friday, 8:00am – 8:00pm EST, Saturday 9:00am-5pm EST
Jacob M.
I got my 8 week old corgi puppy early September. When we took her to the vet for shots we mentioned (as new corgi parents) that she had diarrhea one time and vomited another in the multiple week span we have owned her. 3 months later in December she contracted Parvo. We paid for it and sent a claim to Pumpkin. However Pumpkin denied my coverage because they said the Parvo was a PRE-Existing condition! They said since my dog threw up once and pooped in September that these new Bloody poops were pre-existing. I could not believe it, all these reviews praising Pumpkin made me believe that this was different from other money grab insurances, but they were all wrong. Now I have to file an appeal, and file a complaint with the state. BE CAREFUL! They will do whatever they can to not pay you Edit: Saw the response and wanted to let you know that my appeal was overturned in my favor. So while you claim pre-existing, note that you were wrong. The original person who denied my claim was wrong. Parvo was not pre-existing because my dog pooped 3 months ago.
Response from Pumpkin Pet InsuranceJan 13, 2026
Hi Jacob, 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.
customer
Benefits were paid promptly without question allowing us to focus on our puppy's recovery. Buying a policy was the best decision we made for our puppy.
Oonagh
Easy to use claim system, very prompt refunding. Staff are lovely if you have any questions.