Rhonda H.
Very disappointed because we have only had insurance a few months and already have an increase in payments!
Very disappointed because we have only been with Pumpkin a few months with our dog Samson and we have not filed any claims that would warrant payout but our insurance has increased which is forcing me to look for another carrier.
Response from Pumpkin Pet InsuranceJan 7, 2026
Hi Rhonda. 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. At this time any rates provided are the most competitive price available, given current policy terms and are heavily regulated by your states Department of Insurance. If you would like to potentially lower costs, please reach out to us to discuss options which may include changes to your deductible, annual limits, or reimbursement rates. The only way to make changes to the cost of an insurance product would be to make changes to your plan.