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.
Also known as
pumpkin.care
Website
pumpkin.care
Category
Insurance
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 7% of reviews.
Latest
Most recent review: October 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
This company cannot pay to remove reviews or change its score.
Not sure if I choose the correct company for my angel. Not one of your representatives called after the policy was made . What a shame .
Response from Pumpkin Pet InsuranceJan 13, 2026
Hi Bella! I am so sorry for any disappointment. Since our customer service team does work on inbound customer calls, one of our team would be more than happy to discuss your plan with you. Please give us a call whenever you would like at 1-866-ARF-MEOW (1-866-273-6369), Monday to Friday, 8:00am – 8:00pm EST, Saturday 9:00am-5pm EST
TR
Theresa R.
Would Not Recommend
I've had insurance coverage with Pumpkin for almost a year, and while the policy looks comprehensive on paper, my actual experience has been frustrating and extremely disappointing.
My biggest issue has been Pumpkin’s denial of a claim for what they labeled a “pre-existing condition.” My dog was seen by her veterinarian for a respiratory issue and underwent diagnostic testing to determine the cause. Although she had experienced a similar respiratory issue in the past, that issue had fully resolved on its own. According to my policy, any condition that has been cured and free of symptoms or treatment for 180 days should not be considered pre-existing, and my dog clearly met that requirement.
Despite this, Pumpkin denied the claim. I was told I could appeal the decision and that my veterinarian could clarify in the medical records that the prior respiratory issue had resolved. I did exactly that and submitted an appeal with updated clinic notes. The appeal was denied anyway. Pumpkin completely ignored both my explanation and my vet’s updated notes and continued to rely on outdated records.
I attempted to submit a second appeal, which Pumpkin initially refused to accept. At that point, I contacted the California Department of Insurance for assistance. This prompted Pumpkin to conduct a third review, but the outcome was the same. Once again, they ignored the facts, my statements, and my veterinarian’s updated clinical notes, and continued to deny the claim based on the same old information.
This entire process was exhausting, stressful, and incredibly discouraging. It has left me worried that my dog will not receive the coverage she needs if other health issues arise in the future.
My second major issue is the outrageous renewal increase. My premium is going up by 59%. This kind of increase is unreasonable—especially when Pumpkin has already shown they are unwilling to cover significant health issues. At this point, I am seriously questioning whether it’s worth continuing my policy with them.
Overall, I am extremely dissatisfied and would not consider myself a happy customer.
Response from Pumpkin Pet InsuranceDec 31, 2025
Hi Theresa. 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
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 need any further assistance, you can reach our care team by phone or chat during business hours, or email us anytime.
CS
Christine S.
I’m extremely disappointed with Pumpkin…
I’I’m extremely disappointed with Pumpkin Pet Insurance and would not
recommend them to other pet owners.
I brought my cat to the vet after he threw up one time. My vet performed blood work, monitored him, and cleared him — nothing serious or chronic was found. One time.
My cat threw up several times and became dehydrated. We had to take him to emergency room after seeing his vet to get fluids. Despite this, Pumpkin denied the entire claim, stating that the issue was considered a pre-existing
condition.
This is extremely frustrating because my cat was evaluated by a
licensed veterinarian and medically cleared with no ongoing condition, yet Pumpkin still refused coverage. If a single incident of vomiting
can be twisted into a reason to deny legitimate care, then what are you really paying for?
I get pet insurance for peace of mind, not to fight over basic emergency care when something unexpected happens. Instead of support
during a stressful moment with my pet, I was left dealing with paperwork, excuses, and a denial.
Save your money and look elsewhere — when it actually matters, they won’t be there for you
Response from Pumpkin Pet InsuranceDec 2, 2025
Hi Christine, 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.
BE
Becky
Do not purchase this insurance we…
Do not purchase this insurance we adopted our 9-year-old dog from the pound The pound gave us pamphlets for several insurances and we did our homework and we thought this was our best choice they're scam they take your money and they don't cover anything they say that her cancer was pre-existing but we Literally just adopted her their scam
In regards to their reply they should simply tell people they do not cover senior Dogs. So I stand by my review
Response from Pumpkin Pet InsuranceDec 2, 2025
Hi Becky, 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.
CH
Chrissy☺️
Do not
Would not recommend
Response from Pumpkin Pet InsuranceNov 19, 2025
Hi Chrissy, we definitely understand it can be frustrating that coverage includes a waiting period. 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 whom 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 or conditions that occurred during the waiting period, 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.
MT
MaryAnn T.
No response or pay, to the vet on Tuesday October 28th…
Went to the vet on Tuesday October 28th and submitted the paperwork later that day, I called Wednesday to see what is going on. I was told I would have my money in 15 minutes. I do understand that sometime it may take a little longer the first time but I have heard anything but these survey. I should get paid just as quick and as many time as I received surveys.
I have not heard anything, if I need to summit more information or anything.
I am very disappointed with this process.
Maryann
Response from Pumpkin Pet InsuranceNov 4, 2025
Hi MaryAnn! Our claims team is working hard to complete insurance claims as quickly as possible. Some claims can be processed immediately on review, or may be eligible for processing through PumpkinNow.
PumpkinNow is an urgent pay service from Pumpkin Pet Insurance designed to expedite claims and estimates for ‘critical care’ (I.e., high-cost and/or urgent or emergency veterinary treatment). It provides fast-track processing and payment of insurance claims when treatment is likely to exceed $1,000. However, 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.
Please do not hesitate to reach out to our customer service team if you have any questions or to check if any additional information may be needed to process your pet’s claim.
ED
Edward
Our experience with Pumpkin has been…
Our experience with Pumpkin has been amazing. They are the greatest in communicating and promptly responsive to our inquiries. Incredibly wonderful at staying on top of any claims.
Response from Pumpkin Pet InsuranceOct 27, 2025
Thanks for your feedback!
JY
Justin Y.
Insane renewal rates- 25% increase
The coverage looks good but after having this for only a year, we received a renewal for over 25% increase per month. My dog is very healthy and six years old.
Never had to file a claim, but moving to just using a savings account versus shelling out $1289 a year in premiums and still handle a $1k deductible.
Response from Pumpkin Pet InsuranceOct 1, 2025
Hi Justin. 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.
If you would like to discuss your specific policy in more depth please do not hesitate to reach out to our Customer Service team and they would be happy to assist!
