Claire
Reimburses nothing.
Money spent on this insurance for one 1 year old dog over 2 years: $2,000+. Money reimbursed when my dog got lepto or had any ear infection or literally anything: $0 The company refers to everything as a preexisting condition (even a virus such as leptospirosis) and responds with chatGTP emails that do not address the concern presented to them.a pain to deal with. I would stay far away. You will end up losing much more money than you could ever end up spending in the case of sickness. Positive reviews are surely fake. This is a scam Follow up reply to Pumpkin’s response. I did speak with the “customer service” agents particularly one agent named Andrianna Quiñones who refused to answer my question on whether they view the virus Leptospirosis as a pre existing condition (which by the way was NOT present in anyway for a year after our insurance was instated.) Her responses were automatic replies and unhelpful. The company is very very incompetent.
Response from Pumpkin Pet InsuranceMay 17, 2023
Thank you for your feedback again, Claire. We'd love the chance to chat to help walk you through any claim outcomes or denials. 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.