Tricia / Sean H.
Claim process is very easy
Claim process is very easy. Refund in account within 4 days!

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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Tricia / Sean H.
Claim process is very easy. Refund in account within 4 days!
Deb M.
I am a new Pumpkin customer and needed help figuring out the claims process. They were extremely caring, helpful and efficient. I am very appreciative!
Kerry N.
EXCELLENT!!! Pumpkin makes good on everything that is covered under my pet's policy. NEVER EVER an issue.
customer
Everything thing is a preexisting condition. Your denial just says because of a preexisting condition. I then have to ask for an explanation for the determination. The explanation is weak at best.
Response from Pumpkin Pet InsuranceDec 20, 2024
Thank you for the feedback and we are so sorry for any frustration or confusion! As with most pet insurance, we have some exclusions, such as pre-existing conditions. These are conditions that occur before coverage begins or during a waiting period. With our plan, this doesn’t mean the condition can’t be covered in the future. A curable injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions.
Cheryl B.
Fast reimbursement with pumpkin
customer
Very helpful
Beat
Submitted a claim and there has been no update; even if not approved I would expect at least some form of update.
Response from Pumpkin Pet InsuranceDec 17, 2024
Hi and thank you for your patience! 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. If you do have any questions regarding you claim please do not hesitate to reach out to our customer service team at 1-866-ARF-MEOW (1-866-273-6369) Monday to Friday, 8:00am – 8:00pm EST, Saturday 9:00am-5pm EST
Lisa H.
Everyone is very helpful and friendly. The entire claim process was easy. thank you!!!