customer
Good
Good turnaround time for estimates and claims. Good explanation of claim process.

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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customer
Good turnaround time for estimates and claims. Good explanation of claim process.
CT
I have had my two English Setters insured via Pumpkin since 2022. Aside from one period back in 2023 when payment of a claim took several weeks, all other claims were paid within just a few days. A couple within just two days. Additionally Pumpkin has expanded services and coverage each year. They have terrific telephone support which is very rare these days. One of my dogs is on allergy medication permanently and Pumpkin has been great about it. The premium prices have only increased $2 at renewal each year. I am happy with their services. Knock on wood that we don't need their services very often.
Willow's M.
I found Pumpkin Pet Insurance to be very easy to use and quick to reimburse payments to the customer. Thanks so much.
customer
Your company has the additional coverage that I wanted for my pet.
Brand new to P.
Good communication. Speedy claims process.
customer Linda and G.
The Customer Service at pumpkin pet insurance is outstanding with the most friendly pet, loving folks there to help me when I call. So far, I’ve had no claims, but based on the service I’ve already received in the process of signing up, I am confident that this company is solid and will help when help is needed.
francis E.
Worst insurance company. Got them for my 4 month old puppy and have denied every insurance claim linking it to a skin allergy prior to getting insurance. Very disappointed. I should have stuck with a little more expensive and reliable company. I have Nationwide for my other dog who is 10 years old and have no issues.
Response from Pumpkin Pet InsuranceApr 25, 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.
customer
Appreciate the insurance and peace of mind knowing that our pets are covered.