Pumpkin Pet InsuranceReviews of pumpkin.care

I just joined Pumpkin last December 2025, I have a male shorthair tiger cat that is 5 years old. I had purchased 7K coverage a year with a 250 deductible and no wellness option. I paid 44dollars a month for this, I thought would at least minimize the big bills at emergency vet. No VET OR EMERGENCY BILLS OCCURRED AT ALL. Nothing, no charges to Pumpkin PET at all in 2025 or 2026. I just received renewal numbers and its a 50 PERCENT INCREASE FROM 2025. 64$ a month now for same policy. I really feel like they low balled me to get me to sign up and now at first renewal the increase is HUGE. I dont know of any bills that go up 50 percent in one year, let alone no claims. PS> Pumpkin said they dont increase based on claims anyway. So incredible disappointed with the rate increase. Also in this year I have seen how its almost impossible to get an agent on the phone and with email it could be several days before you hear back. I dont know how I could live with that in an emergency, I need to know whats going to be covered to make decisions on care promptly, I seriously doubt Pumpkin can make that happen. There were bigger companies with good ratings when I was deciding what company to go with, I thought I would go with the lessor known Pumpkin and give the smaller company a shot, hoping that would pay off in excellent customer service. They are helpful when you get someone its just extremely difficult to get to a person. Time to start shopping again, really sad about this.

AVOID this insurance! They claim preexisting conditions before condition was ever diagnosed by a vet and pay nothing on your claims. Your vet will ask you when you first noticed the symptoms and by the time I had an appointment, it was preexisting condition according to these frauds! I cancelled this fraud “insurance” right away. Now fighting with them to get my premium back.

THIS COMPANY IS A SCAM. If you don’t get per insurance right when you get your dog, any injury that happens before, even if not related. They will not cover it. We paid for 2 years and they covered nothing. Money down the drain.

AVOID PUMPKIN PET INSURANCE!!! They claim preexisting conditions before condition was ever diagnosed by a vet and pay nothing on your claims. Your vet will ask you when you first noticed the symptoms and by the time I had an appointment, it was preexisting condition according to these frauds! I cancelled this fraud “insurance” right away. Now fighting with them to get my premium back

Pumpkin Ins. Offers a Wellness Plan that you pay a flat amount and they cover routine exams, annual vaccinations, etc. the plan is represented as an insurance plan, but is actually a SCAM. You sign up, pay your premiums and once you file a claim, even though it is more than you pay monthly, them decide to cancel, THEY CHARGE YOU THE DIFFERENCE BETWEEN WHAT YOU HAVE PAID TO THAT POINT AND WHAT THEY PAID OUT FIRST THE “COVERED” EXPENSES!!’ They will cancel your coverage, but still expect you to pay for “covered” care. IT IS NOT INSURANCE AT ALL, BUTVA GALSE ADVERTISING, MISLEADING CONTRACT!!! IT’S A MAJOR SCAM AND I HAVE AN ATTORNEY LOOKING INTO IT TIGHT NOW!!!

You are telling me you are going to quadruple my dog's insurance because she ended up with cancer and Cushing's disease at the same time?! So the policy/company is great until you need to use the insurance and make a claim?

canelled after they jacked up the price and billed me more after signing up.

I put in my first injury claim May 27,2026. I gave them all info I had also had each vet my dog has been too sent records proving no prior injury. They denied the claim of refund for injury 9/4/26 because They didn't have enough info.....What more could you need?!!! I paid $106 a month since June to Sept $424...My claim was for $350. Not only did I pay the vet visit I handed them over $424 to boot! I switched to progressive with wellness for $2 more a month but at least I know they are a reputable company!