Elissa
I turned in four invoices for my dog…
I turned in four invoices for my dog who’s going through a few things, and I received repayment within two days of the four invoices.

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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Elissa
I turned in four invoices for my dog who’s going through a few things, and I received repayment within two days of the four invoices.
KLMolina
Very punctual and fast
John V.
I find it useless as a insurance..its nothing like health insurance. If you dog is a diabetic and needs meds or god know surgery because a kidney is falling ect you won't cover it because its a previous condition do to diabetes.. That is just a example..I will be canceling and putting the 200 dollars a month in a saving for my babies.. I get not covering medication but if a surgery comes up for said condition you won't cover is crazy..said condition caused cancer in let's say a yr nope its said condition related.. Waste of money..
Response from Pumpkin Pet InsuranceSep 10, 2025
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.
Dale
Claims processed very quickly
Sidney
I can’t believe how quickly Pumpkin handles claims. When my dog was diagnosed with Cushing’s Disease it meant regular bills for bloodwork and medication, and you have taken care of all of my claims within 24 hours of my making them. That is remarkable! I will absolutely be recommending Pumpkin to everyone I know. You are a little more expensive than some, but it is absolutely worth it given the claims service you provide. Thank you. You have been a Godsend for us and our precious Oy.
Laurel
Claims are handled quickly and fairly.
Christine W.
My Boston, Fitz had an infected bug bite, wound or something show up right next to his right eye. We were so concerned but the vet was quick to give his best to help him. All good now- Pumpkin made it easy to get care since we knew we had coverage. Thanks for the quick handling of our claim.
Kathy
Easy to submit claims. Extremely fast reimbursement!!