Johanna M.
Pumpkin Insurance is a joke
Pumpkin Insurance is a joke! They used a single bought of loose stool my puppy had after his vaccines as a reason to deny his emergency bowl obstruction. They labeled it a "preexisting condition." Are you kidding me? They were charging me almost a hundred a month to cover absolutely nothing. Why even bother if I am just going to end up paying out of pocket anyway? Don't be conned by them. They are just as heartless and money grubbing as every other insurance company. They don't care about you or your pets wellbeing. This is about the bottom line and if they can find a loop hole to deny you, they will!
Response from Pumpkin Pet InsuranceApr 21, 2026
Hi Johanna, 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.