Kari
The claim was easy to file and refund…
The claim was easy to file and refund was quick.

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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Kari
The claim was easy to file and refund was quick.
Tamae
They were prompt on payment to me for my dogs illness.
Misty
It is important to have the correct information and submit the proper paperwork to ensure the claim is processed smoothly. Although the process has taken a little longer than expected, the claim is being handled, and the overall service has been excellent. I truly appreciate the effort and professionalism shown throughout the process.
Alan
Friendly and knowledgeable reps
customer
Was told claim process was 3-5 days when I signed up in January. Then when I had to take my cat to vet in April I submitted claim waited months only to be denied. When I called they said it was because they needed all vet records (which they have) and first claim takes longer. Was told it would be "pushed to the top of the pile" and now it's July 10th and can't even get a response to email sent 15 days ago.
Response from Pumpkin Pet InsuranceJul 11, 2026
Our claims team is working hard to complete insurance claims as quickly as possible. 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.
Confused
I purchased the Pet insurance to cover having to take him for a wellness check within 48 hours of purchasing him. This is my first experience of getting my new fur baby and no one walked me through all the details of what I should do and not do regarding getting him checked out because it was expensive to have purchased and to pay out of pocket for a wellness check within 48 period it was very confusing and I felt overwhelmed after trying to submit the reimbursement for my expenses for the wellness checks and the follow ups I had only had him for 2 days. To learn that none of my claims were not paid it is a waste of money what am I paying a monthly subscription for if I’m not going to be reimbursed for my out of pocket I’m paying twice that doesn’t seem right. Just being honest this is all new to me I never received a call back when I tried to get help with understanding what Pumpkin really does and the true benefit of what I’m paying for. Thanks
Response from Pumpkin Pet InsuranceJul 11, 2026
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.
KAREN
Pumpkin covered my vet expenses well. They were very responsive to my questions and were easy to contact. Customer service was excellent.
Jerry
It was very hassle Free and real simple. It’s amazing insurance company.