Stephen
Very fast turn around time on claims
Very fast turn around time on claims, helped alleviate our stress when in emergency situations.

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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Stephen
Very fast turn around time on claims, helped alleviate our stress when in emergency situations.
Name P.
Easy to file claim and fast reimbursement
Michael
Fast and thorough.
Aaron E.
I've had Pumpkin for just shy of a year. My rescue dog is ~2 years old. Prior to filing a single claim, I received advanced notice that Pumpkin intends to raise my rate by over $20/mo. for the upcoming year (for the same exact care). My dog subsequently had an accident that required vet care and a follow-up procedure. I submitted a detailed invoice and veterinary records. It took Pumpkin nearly a month to review and approve my claim, during which time I had to follow-up multiple times, as my claim kept getting lost/stuck in their system. I then sent Pumpkin the itemized receipt for the follow-up procedure they already reviewed and approved (which came in under the approved estimate). At the time of this writing, a week has passed without my claim being reviewed or processed. When I followed up just now, I was told that processing times could take up to three weeks--for a an estimate that was already reviewed and approved. I'm glad to see that so many other pet parents on Trust Pilot appear to have had great experiences with Pumpkin, but I have huge buyer's remorse and wish I'd gone with virtually any of their competitors.
Response from Pumpkin Pet InsuranceJun 10, 2026
Hi Aaron, thank you so much for your patience. We are currently experiencing a high volume of claim submissions, which is impacting our processing time for new claims and estimates. Rest assured, our claims team is working diligently to process these for all of our pet parents as quickly as possible. At Pumpkin, pets and their parents always come first, so we hate that you and your pet have had a less than ideal experience so far. Please know that we will reach out directly once your claim has been completed!
mike
Pumpkin is amazing, quick insurance payments - love them!
Andrea
Your coverage stinks....
Response from Pumpkin Pet InsuranceJun 16, 2026
Hi Andrea, 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.
Nancy G.
The enrollment process was easy. The insurance options gave me several options from which to choose. My first claim for an office visit was paid promptly.
Rene
Pumpkin gave us no problem about paying a veterinary bill for our dog when she was severely ill.