Cathy
Excellent experience!
Excellent experience!

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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Cathy
Excellent experience!
Carly P.
Basically another insurance company who says they do X and they don’t. I’ve gotten the run around. They keep denying all my claims towards my deductible. It’s been a waste of money. I have yet to be able to use it. My dog had sustained an injury and it wasn’t a current preexisting problem and they denied it. May as well save the money towards whatever happens. I haven’t had a good experience at all with these people! I would look for other companies out there that are better. I maintain my review. Happy to share any info with whoever needs it. As soon as I have time to hold I will be canceling my insurance with them.
Response from Pumpkin Pet InsuranceJun 23, 2026
Hi Carly, 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.
K H.
This service is horrible..I can't never get threw to anyone about my claim and I'll never refer you people to anyone..how you never get in contact with nobody but I pay my plan bill every month..everybody these people are a scam
Response from Pumpkin Pet InsuranceJun 22, 2026
Thank you for your feedback. We appreciate your patience as we process your claim. Keep in mind we do require medical records from your veterinarian in order to process your pets claim.
John
I would recommend Pumpkin Insurance to anyone who owns a pet. Well worth the money.
MARLENE
The claim check came fast for some routine procedures thanks
Mike S.
Good experience all the way around , very experienced staff and answers all questions completely.
April
Quick and thorough.
H D F.
Pumpkin makes it easy to enter your claim. Quick response and always available for questions. I couldn't ask for more.