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Pumpkin Review

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Reviews 199

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Michael Graw
Michael Graw
May. 03, 20214 min read

Pumpkin summary

Pumpkin provides extensive pet insurance for dogs and cats. This provider has a simple plan option that comes with 3 annual deductible options and a maximum annual coverage of $10K, $20K, or Unlimited for dogs and $7K, $15K or Unlimited for cats. The insurance policy covers eligible bills for sick exams, prescriptions and more, as well as an option for preventive care coverage at an extra cost.

Pros

  • Offers preventive care coverage
  • No upper age limit for coverage
  • Discount for enrolling multiple pets
  • 90% reimbursement rate for accidents and illness

Cons

  • Expensive plan options
  • Only covers cats and dogs
Pumpkinat a glance
3.2

Editorial score

Online experience

Great site with mobile optimization, learning resources and live chat

4.0

Customizable rates and services

Customizable plans and rates, upper age limit

3.0

Claims payout waiting period

Over 2 weeks

2.0

Customer support

24/7 communication and a pet hotline available

4.0

Bundles

Some multi-pet and multi-policy bundles available

3.0

Pumpkin Pumpkin Visit Site

What's Covered?

Pumpkin plans cover an impressively wide range of conditions and treatments. Accidents are covered as well as new illnesses, regardless of whether the illness was preventable with a vaccine or medication. The same is true for dental coverage—dental illness issues are covered even if your cat or dog does not get an annual dental exam.

Pumpkin plans also cover sick exam fees, diagnostic and imaging fees, surgery and hospitalization fees, and prescription medication and supplements for covered conditions. You can use your policy to pay for behavioral issues and alternative treatments like acupuncture if desired.

If you opt for the optional preventive care plan add-on, Pumpkin Preventive Essentials, you also get annual vaccines (two for dogs, one for cats), one annual wellness exam fee, and more. There’s also a puppy benefit that reimburses for four vaccines, including ones that you did before enrolling.


All dogs and cats 8 weeks and older are eligible to enroll for coverage, regardless of whether they have pre-existing conditions. However, pre-existing conditions are not covered by Pumpkin plans. Unlike some other pet insurances though, Pumpkin’s plan will be able to cover most curable pre-existing conditions that have been free of symptoms & treatment for 180 days and occur again in the future (with the exception of knee/ligament conditions).

Insurance Plans & Pricing

Pumpkin has a single insurance plan that applies for both dogs and cats. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit.

Pricing varies depending on whether you want a $100, $250, or $500 deductible. Note that Pumpkin has an automatic 10% discount for each additional pet for which you buy an insurance policy.

What's Not Covered

One of the things Pumpkin does not cover is pre-existing conditions. In addition, after paying your annual deductible, your insurance policy entitles you to a 90% reimbursement for covered costs. You are responsible for a 10% co-pay. For all exclusions and full terms, visit pumpkin.care/insurancepolicy.

Waiting Periods

Pumpkin requires a 14-day waiting period for your insurance coverage to take effect for both accidents and illness. However, there are no waiting periods for Preventive coverage (some preventive coverage is retroactive, even offering you a refund if you sign up after you visit your vet). The company also has a 30-day money-back guarantee as long as you have not yet made a claim.**

Coverage Limits

Pumpkin’s plan has multiple options of coverage limits, depending on your preferences and your pet's needs. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Based on their research, 99% of insured pet owners typically haven’t spent more than that, which is how those numbers were chosen.*

Reimbursement and Deductibles 

Pumpkin’s plan includes a 90% reimbursement rate. You can choose between a $100, $250, or $500 deductible for your plan. Costs for a four-year-old, medium-sized mixed breed dog living in 19711 are below. (Prices are accurate as of 7/1/2020 and vary based on plan type, pet breed, age, and location. To find up-to-date pricing information in your area, you can visit the site directly for a quote.)

Deductible
Monthly Premium
$100
$98.19
$250
$77.67
$500
$63.04

Claims and Service

Submitting a claim to Pumpkin is refreshingly simple. Just upload a copy of your vet bill using the website, or email or mail the claim, and the company will process your claim or follow up with any questions. You can also request that Pumpkin reimburse your vet’s office directly.

If you have problems, you can get in touch with Pumpkin’s customer service by phone from 8 am to 8 pm Monday to Friday (Eastern time). You can also send an email and expect a reply in 24 hours or less.

What You Might Like

  • Covers alternative therapies and behavioral issues
  • Prescription food for eligible conditions is covered***
  • Optional preventive health plan includes vaccinations and an annual wellness plan
  • Dental illness covered without annual exam
  • Hereditary conditions are covered, even high-risk ones
  • 10% discount for each additional pet you cover

What Pumpkin Could do Better

  • No coverage for pre-existing conditions
  • Expensive monthly premiums even with a high deductible

Contact Details and Address

pumpkin.care

help@pumpkin.care

1-866-ARF-MEOW

251 W 30th St # 9W, New York, NY 10001

How Pumpkin Compares: 


Waiting period
Sick exam fees

Accidents: 14 days

Illness: 14 days

Included

Accidents: 5 days

Illness: 30 days

Not covered

Bottom Line

Pumpkin’s pet care is extremely thorough as long as you remain within the coverage limits. There are few ongoing requirements to maintain coverage, which is good news if you’re not always the best about staying on top of annual dental visits or vaccinations. That said, Pumpkin’s plan comes with a higher monthly premium, so this insurance is suited for pet owners who expect to use a significant amount of the coverage.

Pumpkin Pumpkin Visit Site

About Pumpkin

Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. 

Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. 

Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.

*Based on United States Fire Insurance Company data, August 2019.

The data shows less than 1% of insured dog parents typically submit claims totaling over $10,000 in a policy year and less than 1% of insured cat parents typically submit claims totaling over $7,000 in a policy year.

**30-DAY MONEY BACK GUARANTEE TERMS: Cancel Pumpkin Pet Insurance in the first 30 days and get a full refund as long as you have not received approval or payment for a claim. 30-Day Money Back Guarantee not available in NY.

***PRESCRIPTION FOOD COVERAGE TERMS:

Pumpkin insurance covers prescription food to treat an eligible accident or illness. It does not cover prescription food used for weight management or general health maintenance.

COMPARISON INFORMATION: Comparison information is provided using publicly available information as of 7/1/20 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing help@pumpkin.care.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Pumpkin
Pumpkin
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Trustpilot reviews

See what some costumers are saying about Pumpkin
Pumpkin
ExcellentReviews 199
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Excellent
88%
Great
6%
Average
3%
Poor
0%
Bad
3%
  • author
    customer
    May 10, 2022
    hassle free claims

    hassle free claims, pumpkin claim process is fast and easy to use.

    ...

  • author
    Laura
    May 11, 2022
    It almost a month to get approval for…

    It almost a month to get approval for dental surgery. We believe the approval amounts are fair but wish we could have gotten it sooner.

    ...

  • author
    Customer
    May 09, 2022
    It took a little while to get…

    It took a little while to get reimbursed which is fine . My dog Nash had an illness and was treated at an animal hospital and then at his veterinarian as a follow up for the same illness I got reimbursed for the animal hospital visit but never got anything from the vet visit which was included in the same claim . It cost about $400 for the meds and vet visit .

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  • author
    Frank A.
    May 07, 2022
    Our new pup Argo had a routine exam

    Our new pup Argo had a routine exam. I’ll I had to do was send a pic of our receipt and Pumpkin promptly covered the cost. We’re very satisfied.

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  • author
    customer
    May 06, 2022
    Good overall.

    Good overall.

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  • author
    Juliana Dutan
    May 06, 2022
    Amazing customer service and…

    Amazing customer service and reimbursement policy. None of our submissions thus far have been denied. They've been a life saver!

    ...

  • author
    customer
    May 06, 2022
    Always cheerful via phone.

    Always cheerful via phone. Fast claims reimbursement . My 1st experience with pet insurance and was a great one. Hopefully my puppy stays healthy as the first year was just hell,

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  • author
    NIKKI
    May 06, 2022
    Amazing very easy to get things done and very fast! So happy I chose pumpkin

    Amazing very easy to get things done and quick

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  • author
    customer
    May 06, 2022
    Fantastic

    Awesome company

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  • author
    customer
    May 06, 2022
    Great insurance for your pet and…

    Great insurance for your pet and excellent system to upload receipts and paperwork.

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  • author
    LF
    May 06, 2022
    There is no way to go wrong with…

    There is no way to go wrong with Pumpkin. Before I came across pumpkin I had brief experience with other insurances that never provided what they said they would and very pricey. Pumpkin is affordable, responsive and very efficacious. And their website is very easy to navigate. I love I could add preventive-essentials to my plan and my bill does not even go to a hundred a month!

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  • author
    Rebekah
    May 06, 2022
    I am so glad I decided to get Pumpkin…

    I am so glad I decided to get Pumpkin last year for my 13 year old cat. They have been wonderful at helping with the vet costs for him. I will continue using them and will return in the future with any other pets we may have in the future. They make submitting claims so easy, and it’s definitely worth the investment.

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  • author
    Austv
    May 03, 2022
    Great Experience

    Excellent service and timely processing of claims.

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  • author
    Connie Rhett
    May 02, 2022
    A new pup and a BIG bill

    A new pup, a weekend at the emergency vet, a huge bill and new pet insurance caused quite a bit of anxiety for us. No worries … Charlie Pup did well with great emergency care and our Pumpkin insurance lived up to our expectations. All was covered, minus our deductible of course. We are happy Pumpkin customers!

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  • author
    Becki
    May 02, 2022
    Claim Service Miscommunication

    I was happy with my first claim submission. It was simple. However, I still have not received payment and am awaiting a check. No other method is acceptable. I am a Senior with limited mobility and computer knowledge is zero. I am doing good to manage a cell phone. Thank you.

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  • author
    Barney's Mom 🐾
    Apr 30, 2022
    Pumpkin is a great pet insurance plan…

    Pumpkin is a great pet insurance plan that allows you to pick the coverages you want. The employees are wonderful to work with and they have fast, efficient response times! I love them! I mean, who wouldn't with a phone number like 1-800-arf-meow 💛

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  • author
    BECKY
    Apr 30, 2022
    I thought you'd pay more of the bill…

    I thought you'd pay more of the bill than you do or maybe my vet is higher in cost.

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  • author
    Teresa
    Apr 30, 2022
    Highly recommended!

    I used the insurance when my Australian Shepard tore his ACL. I was expecting the claims process to be slow and difficult. I’m happy to say it was very easy and I was reimbursed super fast. I highly recommend Pumpkin! I researched for a while before I finally purchased, I’m glad I chose Pumpkin!

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  • author
    customer
    Apr 29, 2022
    Pumpkin does an excellent job…

    Pumpkin does an excellent job processing claims! The process is easy & claims are completed quickly.

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  • author
    KATHY FAHERTY
    Apr 29, 2022
    First time

    I am new to Pumpkin, but filing my first claims was a breeze and my refund went directly to my checking account.

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  • author
    Anita Lungari
    Apr 29, 2022
    We love Pumpkin

    We love Pumpkin, claims are done fast, customer service is friendly and very helpful

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  • author
    Kimberly
    Apr 29, 2022
    Very easy process filing a claim and…

    Very easy process filing a claim and quick response

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  • author
    customer
    Apr 29, 2022
    Happy with Pumpkin

    I went with Pumpkin when our lab was a puppy. He started having seizures a couple months later and now it’s so comforting to know we don’t have to worry about high vet bills every time we take him (which has been a lot)! And it’s been nice when small unexpected things occur, too, such as an ear infection. The claim process has been fast and easy, with a direct deposit into our account. Thankful we chose Pumpkin!

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  • author
    Kim
    Apr 29, 2022
    Happy Kody

    My experience has been pleasant and professional.

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  • author
    Marti Lipovsky
    Apr 29, 2022
    I love Pumpkin!

    I love Pumpkin. They have been so responsive to my claims and available easily by email or phone if I have had questions.

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  • author
    Denise Ward
    Apr 29, 2022
    Converted Skeptic

    I was skeptical about pet insurance, but I am so pleased at the responsiveness of Pumpkin! Thank you! Highly recommended!

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  • author
    SILVIA Y BARREDA-DIAZ
    Apr 29, 2022
    Great customer service and great…

    Great customer service and great turnaround on issuing payment when we filed our claim.

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  • author
    customer
    Apr 29, 2022
    Our dog Charlie needed emergency…

    Our dog Charlie needed emergency surgery and several days in the hospital. We filed the claim and it was paid within a week! Can’t say enough about how quickly and easily it was handled.

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  • author
    Katherine West
    Apr 29, 2022
    Great service

    Great service - well managed. Has been awesome for 2. Emergency episodes with our dog

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  • author
    Yon Son
    Apr 23, 2022
    Quick response

    Quick response. Thanks.

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  • author
    customer
    Apr 23, 2022
    Just wish it paid a little more

    Just wish it paid a little more

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  • author
    Larissa B.
    Apr 22, 2022
    Pumpkin stays in communication with me…

    Pumpkin stays in communication with me about my claim, and they always follow through once they receive sufficient information from my vet. I have been very pleased with their customer service.

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  • author
    KC
    Apr 22, 2022
    Pumpkin Pet Insurance has been…

    Pumpkin Pet Insurance has been absolutely an essential must for my puppy. I don't have to worry about medical expenses knowing the insurance will cover most of the bills. And I don't have to hesitate about the finances of the vets. In the first year of owning my pup, he had cherry eye surgery, and pancreatitis. And pumpkin Pet insurance always been there to reimburse the most of it. I'm extremely grateful for their services. The only thing keeping me from giving a perfect 5 star is that they need to make an App. Other than that, Im a happy to do business with them

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  • author
    customer
    Apr 21, 2022
    Investing in Pumpkin pet insurance has…

    Investing in Pumpkin pet insurance has been the best decision yet! The customer service representatives were always professional, friendly, and answered all my questions before I signed up. My claims are reimbursed within one business day and submitting them online has been a breeze. Highly recommended!

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  • author
    Scott Huntley
    Apr 21, 2022
    Used the preventative care coverage

    Used the preventative care coverage, to get Daisy Mae her puppy vaccinations. Everything worked just as advertised, and our refunds came in quickly and easily to our bank account.

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  • author
    Mindy
    Apr 21, 2022
    Pumpkin's coverage is good

    Pumpkin's coverage is good, and they process claims quickly...usually within a week. It's easy to file claims online.

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  • author
    Akilah BM
    Apr 16, 2022
    Pumpkin is great insurance for pets…

    Pumpkin is great insurance for pets because you actually get help with paying your vet bill unlike other insurers. They have very helpful customer service and it's so easy to use their website and claim service.

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  • author
    Laurie
    Apr 14, 2022
    So far pumpkin has given me piece of…

    So far pumpkin has given me piece of mind for my precious dogs health care. Since I have exhausted my deductible it’s been great. It’s hard for pet owners like me small income from SS but I’ll give up anything for my dog. The sacrifices are a no brainer. So thanks Pumpkin for the piece of mind

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  • author
    Leah Taylor
    Apr 13, 2022
    Pumpkin is the smartest financial decision I've made in the last two years

    Enrolling with Pumpkin pet insurance is the smartest financial decision I've made in the last two years. Not only am I protecting the health and wellbeing of my best friend, I'm safeguarding my livelihood against inevitable medical expenses. Pumpkin is fast, easy, direct, and frankly, a no brainer. I've referred all of my pet parents to them.

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  • author
    KKS
    Apr 13, 2022
    Am very pleased with the insurance…

    Am very pleased with the insurance plan, claim responses and overall value. We are proud Pumpkin Pet Parents!

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  • author
    customer
    Apr 13, 2022
    Great value and fast response!

    Great value and fast response! The reimbursement process was simple and fast! I am very pleased with my choice!

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  • author
    Ric
    Apr 13, 2022
    Pumpkin’s pet insurance is excellent…

    Pumpkin’s pet insurance is excellent their coverage and especially their customer service. Recently I called their customer service and Ali the representative that helped me went above and beyond to quickly resolve my issue.

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  • author
    Lesia
    Apr 09, 2022
    Purchased Pumpkin pet insurance for 1…

    Purchased Pumpkin pet insurance for 1 years old Goldendoodle. 20K/90%/$250 deductible for $55. Had 2 claims: one for diarrhea (went toward deductible) and 1 for paw treatment (poison ivy). Claims were paid fast. At age 2 premium $77. "Not due to claim history. But due to your pet's age and your location". I contacted them about this. Got reply: "Your pet is growing older.", "Rates and age factors are filed and approved by your state's department of insurance.", "Due to advancements in veterinary treatments, vets can now do more for our fur babies".

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  • author
    Mary-Ellen
    Apr 01, 2022
    very helpful staff

    very helpful staff, claims paid quick

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  • author
    Heather Sipes
    Mar 31, 2022
    Quick and easy claims process and…

    Quick and easy claims process and payment via direct deposit!

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  • author
    customer
    Mar 31, 2022
    They were quick in their review of the…

    They were quick in their review of the records and everything was easy to do. It was done quickly and easily.

    ...

  • author
    customer
    Mar 31, 2022
    Glad I choose pumpkin

    Glad I choose pumpkin! Customer service was great. Timely claim approval. I have peace of mind in order to care for my aging fur baby. Thank you!

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  • author
    Lysa A
    Mar 31, 2022
    great company

    I'm very happy with this company. I've done plenty of chats and always got a great response to my questions. Submit a claim would get the refund the next day show what got reimbursed and what didn't. Glad I picked Pumpkin for my dogs pet insurance regret not getting it for my previous dog who ended up with lymphoma. I'm not making that mistake again that's why I choose to go with Pumpkin after reading the reviews best decision I made.

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  • author
    customer
    Mar 31, 2022
    Impressive response

    Pumpkin responded to my claim immediately and within 3 days, I received an check reimbursing portion of my puppy plan.

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  • author
    Happy Dog Customer
    Mar 31, 2022
    Pumpkin has been great!

    Pumpkin has been great for me and my pet, my dog had to get TPLO procedure and Pumpkin made it very easy for me. I submitted my claim and was reimbursed within a couple of days. I highly recommend them if you are looking for insurance for your pet!

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  • author
    customer
    Mar 29, 2022
    Reliable and easy to use pet insurance

    I enjoy the easy-to-use online claim service, how fast reimbursements are sent, and the fairness they have applied to assessing my two cats' cases. It's a relief not to have to worry so much about making decisions related to how expensive pet care can be, because I know much of it will be covered.

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  • author
    Rochelle
    Mar 24, 2022
    Very happy

    This insurance covers more than the other one I had for Timmy. I received a check from them within a day or so after submitting the bill from my Vet. Very happy with them so far no complaints here!

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  • author
    customer
    Mar 24, 2022
    Amazing kind caring workers at Pumpkin

    Amazing kind caring workers at Pumpkin. Would not choose any other place for my doggy. You wont regret this Company for your pets. They help you through everything and unlike other companies they explain thoroughly and get the job done.

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  • author
    D.E.H.
    Mar 24, 2022
    I have nothing but praise for this…

    I have nothing but praise for this insurance company. Claims are filed easily and processed timely. I have recommended this company to friends.

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  • author
    customer
    Mar 24, 2022
    Fast and efficient service.

    Fast and efficient service.

    ...

  • author
    Maria Dadian
    Mar 24, 2022
    We are new to Pumpkin but have already…

    We are new to Pumpkin but have already experienced successful interactions. I have already recommended Pumpkin to friends. Looking forward to a positive experience.

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  • author
    customer
    Mar 24, 2022
    Excellent service and timely payment on…

    Excellent service and timely payment on claims.

    ...

  • author
    Frank Stair
    Mar 11, 2022
    Messed Up On The Paperwork

    O.K, the overall experience of buying my policy was smooth and Pumpkin is a good insurance. But, the declaration page I received with my policy was TOTALLY wrong from effective date to the premium. NOT something you want to see from your insurance company!

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  • author
    Janet Lamar
    Mar 09, 2022
    Don’t fall for the manipulative marketing!

    Pumpkin Pet Insurance is nothing but a logo and a website. I insured two cats at a very high premium price ($176/month). I drank their marketing Kool-aid instead of going with a proven company. So that's my fault. I submitted claims at the beginning of November for one cat. I received nothing except the same auto-generated email for WEEKS. When I called over a month later, the customer service rep investigated and told me that my claims were being sent for "audit" on December 16th. I was told that the audit process would take between 30-45 days. Called again in January: "we're waiting on medical records" (which had already been emailed in November.) Because I had to provide medical records from birth for a 13-yr old pet, I reached out to my pet's previous vet and uploaded 65 pages of medical records. Then I was reprimanded by a customer service supervisor for doing so: "we reach out to the vets." Just a delaying tactic. Called again in February: "we have to review these records." It's March. 99% of the claims were denied because vomiting and constipation are "pre-existing." (What cat doesn't vomit? Those are symptoms, not a disease.) But should it BECOME a disease, like lymphoma - even 10 years from now - and even after their supposed 180-day "recovery" time, they won't cover it. I wasted $90 in premiums EACH MONTH waiting for the claims to be denied- and THEY COUNT ON THAT. They do have someone monitoring their social media who will respond to this and to them I say, "your customer service is DREADFUL. If you are delaying claims FOR FOUR MONTHS (in my case) and they are going to "review," YOUR CUSTOMER IS ENTITLED TO KNOW THAT. In a timely manner. And not by dragging it out of you." Pet owners: use another company.

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  • author
    customer
    Mar 05, 2022
    My dog was sick over a 2 week period

    My dog was sick over a 2 week period. Pumpkin processed the claims quickly and I received my checks in a matter of weeks. Thank you Pumpkin!

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  • author
    Sandy Naxer
    Mar 02, 2022
    I LOVE PUMPKIN!!!

    I LOVE PUMPKIN!!!

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  • author
    Nahid Nikzad
    Mar 02, 2022
    It was very easy to get reimbursed

    It was very easy to get reimbursed. And the agent on the phone was very helpful.

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  • author
    customer
    Mar 02, 2022
    They saved our kitten

    They saved our kitten! I’m forever grateful. In the time of need, somebody helped us! We are thankful🙏🥺

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  • author
    Mary
    Mar 02, 2022
    Service was great payment fast very…

    Service was great payment fast very pleased

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  • author
    customer
    Mar 01, 2022
    Fast and easy online claims process.

    Fast and easy online claims process.

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  • author
    TIFFANY SELLAS
    Mar 01, 2022
    The Best pet insurance

    Pumpkin is the the best. Filing claims are easy. It is very affordable insurance.

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  • author
    customer
    Mar 01, 2022
    Very impressed with this insurance…

    Very impressed with this insurance company. Extremely efficient with such quick turnaround of reimbursements.

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  • author
    customer
    Feb 24, 2022
    Claims are super easy to complete and…

    Claims are super easy to complete and are done and paid in a timely manner. It is paid at 90% which is incredible.

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  • author
    Kristen
    Feb 24, 2022
    Excellent service

    Great customer service!

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  • author
    Jaime Carlson
    Feb 24, 2022
    Pumpkin is the best insurance company I…

    Pumpkin is the best insurance company I have ever had! Initially I was drawn to the preventative package; no other company that I found offers that and typically the annual visit, vaccines and lab tests are the bulk of your vet costs for the year. The preventative coverage is worth every penny. Last year however, our dog needed lots of diagnostics to understand her condition and ultimately surgery and rehab. Our girl was only 2 when her symptoms started and the though of giving her up due to financial constraints was truly heartbreaking. I used the estimate tool to make sure everything would be covered and then booked the appts and submitted the invoices. It was so easy! We are forever grateful to Pumpkin for the financial support, ease of use and peace of mind they provided during the process. Highly Recommend!!!

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  • author
    Anonymous Customer
    Feb 23, 2022
    So glad I purchased Pumpkin insurance!

    I purchased Pumpkin insurance for my kitten in 2020. A little over a year later, my cat decided to eat a foam earplug. I immediately rushed him to an emergency vet, knowing I did not have to have the money for an expensive vet bill but I thankfully had insurance! The vet performed X-rays and an endoscopy to remove the ear plug, which costed over $1k. I submitted the claim within 24 hours and Pumpkin kept me informed about updates to my claim throughout the entire process. My claim was processed within 2 weeks, and thankfully Pumpkin covered 90% of the total bill! Such a relief to have the security of great pet insurance! Highly highly recommended!!!

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  • author
    Terri Stevens
    Feb 23, 2022
    Pumpkin is very good in keeping you…

    Pumpkin is very good in keeping you updated on what is going on with your claims. Their turn around is pretty good. I am happy with the coverage plans and they cover a wide variety of things including my dogs allergy medications. This is a huge help.

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  • author
    customer
    Feb 22, 2022
    I am constantly at ease knowing my…

    I am constantly at ease knowing my kitty is under such great care with Pumpkin. I had one very unforeseen emergency incident and having her insured made the situation much more bearable. I recommend every pet owner to you guys!

    ...

  • author
    customer
    Feb 20, 2022
    Great service.

    Great service.

    ...

  • author
    Stephanie Basey
    Feb 16, 2022
    Worst pet insurance ever!

    If I could give no stars, I would! I have paid $141 a month and each time I submit a claim, they deny it claiming pre existing conditions my dog has not ever had! Even my vet did not understand what pre existing condition they were talking about, but they will literally not pay what they are responsible for. I canceled with them and I regret the money wasted, paying for a service they refuse to provide. SHE HAS NO PRE EXISTING CONDITIONS! Oh, and they encourage you to file an appeal, but what they don’t tell you is you will file an appeal and go months without hearing anything. This company is a scam and I am convinced the positive reviews are fake.

    ...

  • author
    Ashley
    Feb 15, 2022
    The Pumpkin website was very user…

    The Pumpkin website was very user friendly to get insurance and coverage but I don't understand why you don't use .Com domain as I been keep visiting the website pumpkincare.com rather than pumpkin.care

    ...

  • author
    Kim Osborne
    Jan 30, 2022
    This was a very simple process to get…

    This was a very simple process to get pet insurance.

    ...

  • author
    Pam F
    Jan 28, 2022
    It was easy to sign up buy I questioned…

    It was easy to sign up buy I qyestioned the ad. I dont remember it mentioning a waiting period until after I signed up.

    ...

  • author
    Terri Fleshman
    Jan 27, 2022
    Greatv Love this for our Puppy!

    Great! Love this for our Puppy....

    ...

  • author
    Ashley Smickley
    Jan 25, 2022
    Love!

    Love!! Got my $ back in one day

    ...

  • author
    customer
    Jan 23, 2022
    New Customer

    The Pumpkin website was very user friendly and made getting insurance for my dog a breeze. Filing a claim was also easy to use. I’m happy my dog’s vet has their information on the website.

    ...

  • author
    customer
    Jan 22, 2022
    I immediately reconsidered

    I immediately reconsidered. Ordered coverage one day and canceled the very next day. 7 days later no confirmation of cancellation. Plenty of e mails cajoling me not to cancel and guilting me for not providing coverage but no confirmation that my immediate request to cancel has been honored. I am shocked by this and expected professionalism.

    ...

  • author
    susan taylor
    Jan 22, 2022
    Overall a good positive experience

    Overall a good positive experience. They pay what and when they say they will. And customer service is the best - they respond in a day to any email you send! Best pet insurance that I have had yet.

    ...

  • author
    Eliete
    Jan 22, 2022
    I just purchased the insurance to my…

    I just purchased the insurance to my dog; there is not much to say yet. To purchase a insurance it's always easy. Pumpkin has good reviews that's why a chose this insurance. Hopefully nothing bad will never happen to my beautiful Maya. However if one day anything happen to Maya. I hope that Maya will be cover with pumpkin insurance.

    ...

  • author
    customer
    Jan 21, 2022
    First claim was processed quickly.

    First claim was processed quickly.

    ...

  • author
    customer
    Jan 21, 2022
    It was easy to file a claim and it was…

    It was easy to file a claim and it was processed quickly. Glad we had it to offset the emergency vet bill.

    ...

  • author
    Anne Roake
    Jan 21, 2022
    Great company although I had to wait 55…

    Great company although I had to wait 55 mins to speak to a representative. My claim was settled in one week!

    ...

  • author
    Zarina Elahi
    Jan 21, 2022
    Met all my needs and covered what you…

    Met all my needs and covered what you said you'd cover--thank you!

    ...

  • author
    Erin
    Jan 21, 2022
    Reimbursed appropriately for all…

    Reimbursed appropriately for all submitted expenses :) I feel I have great coverage which is so important to the health and safety of my pup!

    ...

  • author
    J L Kinkade
    Jan 21, 2022
    I don't seem to be able to get an…

    I don't seem to be able to get an answer about reducing my deductible. And I really hate it when I can't get a person on the phone when I call. I realize you are probably short-handed, but for goodness sake, find a way to call people back instead of expecting them to be on hold for a long time. I have been somewhat successful getting a to my question by using email, but your representative obviously doesn't know the answer. Do I REALLY have to cancel my new policy and start over? I need to have this issue resolved asap.

    ...

  • author
    customer
    Jan 20, 2022
    quick and easy claim/reimbursement…

    quick and easy claim/reimbursement transaction. We loved it.

    ...

  • author
    Jamie
    Jan 20, 2022
    I switched to Pumpkin earlier this…

    I switched to Pumpkin earlier this month and had a vet's visit the day before. They reimbursed me on the same day AND checked whether I wanted to use the exam fee reimbursement for the tech exam or save it for the VET exam fee. Amazing service, prompt and easy reimbursement. A+++++

    ...

  • author
    Rob Carpenter
    Jan 19, 2022
    Yay PUMPKIN!!!

    Have not used it yet but I have a good feeling that I am going to love Pumpkin. I feel like I got the best insurance for my money, and nothing is too good for my little baby boy, my weenie dog Henry

    ...

  • author
    customer
    Jan 18, 2022
    Helpful

    Helpful, fast, convenient, easy to understand.

    ...

  • author
    customer
    Jan 17, 2022
    Sign up was easy

    Sign up was easy and cute, peppered with pet turns of phrase. I hope that when we need to use the insurance it is just as easy.

    ...

  • author
    customer
    Jan 16, 2022
    Quick and easy

    I got my insurance a little late and because of that i thought the insurance wouldnt be able to reimburse me but they did! They did it the next day and i was able to get my money back. I do wish they offered a bit more than just 1 wellness exam but im happy i have good coverage.

    ...

  • author
    customerJudi Joy
    Jan 16, 2022
    Great Help

    Pumpkin helped make much needed oral surgery possible for our little 12-year old kitty, Motor Mouth. since her teeth now fel better she has gained 1/2 pound. We wouldn't have been able to afford her surgery without Pumpkin Pet Insurance. Very responsive people and a quick turn around from presentation of our invoice and receiving a check. Thanks! Pumpkin!!

    ...

  • author
    customer
    Jan 16, 2022
    Pumpkin is always there to answer…

    Pumpkin is always there to answer questions and quick to issue payments. Very satisfied.

    ...

  • author
    Pat Gibson
    Jan 15, 2022
    I brought my 16 month old puppy to Sage…

    I brought my 16 month old puppy to Sage Veterinary because he was having intestinal issues. He was given many tests , resulting in a fairly large bill. I forwarded the bills to Pumpkin. And promptly received a claim number from them. After a few weeks and a careful review on their part, all eligible charges were paid. I am very happy with Pumpkin Insurance.

    ...

  • author
    Michael
    Jan 15, 2022
    Fast response and easy claim process!

    Fast response and easy claim process!

    ...

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