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.
Also known as
pumpkin.care
Website
pumpkin.care
Category
Insurance
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 7% of reviews.
Latest
Most recent review: October 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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Pumpkin has been a pretty good insure for our pet up until this last month. Monthly bill increased from from approximately $72 to 105. This is a 48% increase in rate. When I call and spoke to a pumpkin representative, they tried to say that the state of California is forcing them to do this. However, the new law gives him the option to increase the amount between 7 and 56%. Pumpkin is the one choosing to gouge their customers. Actively looking for another pet insurance company.
BM
Brittany M.
The company is taking forever to…
The company is taking forever to approve my claims. They approved claims that I recently submitted but still have not approved claims from previous appointments.
Response from Pumpkin Pet InsuranceJun 1, 2026
Thanks for your feedback, Brittany! Our claims team is working hard to complete insurance claims as quickly as possible. It is our goal to review your claim within 5 business days of receipt. Some claims can be processed immediately on review, but for claims for pets new to Pumpkin or for new issues, the processing time can be a bit longer as we collect medical records and review supporting documents available, like your pet's full medical history. A high volume of claim submissions can also impact processing times.
Thanks again for your patience and for being part of the Pumpkin Pack!
RE
Rebecca
Too many restrictions, not transparent about deductible
The company did not disclose the deductible in the initial plan information and automatically renewed my pet without my consent. They also disallowed a condition that was under review but had not been finally confirmed (as pre-existing) and didn't cover enough vaccines and wellness services.
JM
Jacob M.
I got my 8 week old corgi puppy early…
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.
RH
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.
AN
Aimee N.
No response
I have sent 4 emails to Pumpkin asking for information about medical records.
11/16, 11/27, 12/6, 12/12/2025 I have not heard ANYTHING from them. I'm concerned..if they don't respond to a simple email, what would happen if I had a claim??
Response from Pumpkin Pet InsuranceDec 23, 2025
Hi Aimee! We are so sorry to hear about this! Please reach out to our customer service team directly at 1-866-ARF-MEOW (1-866-273-6369) Monday to Friday, 8:00am – 8:00pm EST, Saturday 9:00am-5pm EST or by email at [email protected].
TA
Tabitha A.
I gave a 5 star not long ago
I gave a 5 star not long ago, but then renewal came and they want an additional 60 dollars a month. Price hike out of control. When I started with this company for both of my cats it was less than 130 a month. Now they want 216. I understand with aging comes increase, but 99 a month for a cat is insane, what will it be when he's 16.
Response from Pumpkin Pet InsuranceOct 1, 2025
Hi Tabitha. 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.
If you would like to discuss your specific policy in more depth please do not hesitate to reach out to our Customer Service team and they would be happy to assist!
DB
Deanna B.
I purchased my pet insurance in good…
I purchased my pet insurance in good faith. Submitted a claim that said I would receive my reimbursement within 5 days. It’s been over two weeks. I asked about it and was told they needed a medical history. All I took my pet in for was vaccinations that were needed. No medical history of illness just needed his shots to protect him. Still never received payment…
Response from Pumpkin Pet InsuranceJan 17, 2025
Thanks for your feedback, Deanna! We've reached out to you directly to discuss the outcome of your completed claim. Thank you for your patience!
