Charlie
Not completely clear to me when the…
Not completely clear to me when the coverage starts and how to file a claim.

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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Charlie
Not completely clear to me when the coverage starts and how to file a claim.
Lori D.
I do not know if I like or dislike yet because I have not used it yet. I just purchased it for my pup.
Response from Pumpkin Pet InsuranceJun 4, 2025
So glad to have you in the Pack!
Randi
I’ve had a mixed experience with Pumpkin Pet Insurance. On the positive side, every interaction I’ve had with their team has been professional and clear—staff are courteous, responsive, and do a good job of explaining their decisions. That said, I was disappointed by their handling of a claim for a diagnostic heartworm test performed at my rescue dog’s first vet visit. The test was part of her routine wellness care and was clearly preventive in nature, but it was denied solely because the result was positive. I understand not covering treatment for a pre-existing condition, but denying a diagnostic test—whose whole purpose is to determine whether such a condition exists—feels inconsistent with the purpose of the wellness plan. The overall customer service is solid, but policy interpretation in this case felt overly rigid and counter to what pet owners expect from a preventive care plan. I hope Pumpkin revisits how it handles diagnostic testing in similar cases going forward.
Response from Pumpkin Pet InsuranceJun 4, 2025
Thank you for your feedback here, Randi. We appreciate you taking the time to share this experience and will be passing on this feedback to the rest of our team as well. We are so glad to have your sweet pup in the Pack!
New puppy M.
Surprised to learn with initial claims processing, how out of sync the vet practices and pet insurance practices are, and I’m still confused about what services will be covered going forward. I’m also still trying to decide if getting a wellness plan was a good decision.
Response from Pumpkin Pet InsuranceJun 4, 2025
Thank you for your feedback! We'd love to chat further to review your coverage and how we can best help you and your pet. Please reach out to our Care Team and we'd love to lend a paw!
customer
Price keeps going up without any increase in benefits. I have seen an increase the last 2-3 years.
Response from Pumpkin Pet InsuranceJun 4, 2025
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.
Anna K.
I had a conversation through email regarding my claims. They explained why i was not getting paid with one of the items I sent, however, I asked them what about the rest of the claims which were not pre existing condition? I haven’t gotten any answer.
Response from Pumpkin Pet InsuranceJun 4, 2025
Thank you for your feedback, Anna! Please contact our Care Team and we'd love to lend a paw in reviewing your claims together.
Mary
What is Wellness covered is still sketchy to me.
Dw
I've had it awhile and never even used it and my premium went up from $134 to over $160 a month!