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Pumpkin Review

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Reviews 262

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Michael Graw
Michael Graw
Feb. 17, 20224 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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ExcellentReviews 262
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84%
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6%
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2%
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Bad
7%
  • author
    Jeffrey Carney
    a day ago
    Why I Chose Pumpkin

    I did a lot of research, and chose Pumpkin for my pet insurance needs. I was able to customize my plan, and I like that 90% of service fees are paid for a covered claim. I also like the preventive coverage, which has already proven to be helpful. I do wish they had an app, but it is easy enough to just take a picture of the invoice and upload. Payment is very quick. I am very happy with my Pumpkin experience thus far.

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  • author
    Sheryll
    a day ago
    They were very helpful over the phone

    They were very helpful over the phone. But when I try doing it online I just get lost and takes me awhile to figure it out. Once it's done then it goes smoothly. It's probably just me but I will keep trying. Not sure of the dates idid them.

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  • author
    customer
    a day ago
    Awesome plan very helpful and…

    Awesome plan very helpful and considerate awesome people

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  • author
    customer
    a day ago
    I've had a great experience with Pumpkin

    I've had a great experience with Pumpkin, as well as the Peace of Mind that my Miip is protected. Her yearly labs are covered so I'm up to date on the things I need to know. I lost my 15 year old because of things I did not know.

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  • author
    Erin
    Sep 24, 2022
    Excellent customer service and quick…

    Excellent customer service and quick and simple claims process

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  • author
    customer
    Sep 22, 2022
    Really enjoy Pumpkin

    Really enjoy Pumpkin. They cover everything I'm looking for and for a reasonable price. Haven't had a single problem with Pumpkin since I started with them. Highly Recommend.

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  • author
    Rusty, Bobbi, Kaz ,Kadee & Kam
    Sep 22, 2022
    Amazing Sheepadoodle with some tummy problems

    Our family has a Sheepadoodle with stomach problems. The best thing I did was to get pet insurance. Pumpkin pet insurance is the best as far as I’m concerned. We have filed multiple claims for reimbursement over the last 2 years and Pumpkin has always taken care of each and every claim. We get reimbursed quickly after filling a claim. It’s always within a few weeks and never more then 3 weeks ever.

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  • author
    Lezlie
    Sep 22, 2022
    claim took over 30 days

    My claim took over 30 days to complete which was really long for someone who just had a pet emergency and used up most of there savings it’s just way too long, other than that I’m blessed I signed up on time and my animal was able to get the expensive emergency visit done and reimbursed.

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  • author
    Estee C
    Sep 21, 2022
    Bad experience !

    It is great that there are so many good reviews about Pumpkin. But I had to cancel my cats membership because of not being reimbursed for a $625 bill and $65 vet bill since June of this year ! Constantly calling and getting same excuses that their software has been updated,blah blah blah….. It’s not acceptable ! I pay for this insurance and can’t get reimbursed cause of some soft wear issue ????!!!! So I cancelled and will give this company a zero rating !!! Also they didn’t even ask why I wanted to cancel, what was the issue….very bad bad customer service !!!!

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  • author
    Robert Manfredi
    Sep 21, 2022
    Quickly put my money into my account

    Quickly put my money into my account. No problems at all. Great coverage.

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  • author
    Deb Grant
    Sep 21, 2022
    My little guy was extremely sick and…

    My little guy was extremely sick and had to go in for some routine test. Pumpkin true to the word, Covered 90% of his expenses. We were ever so thankful I am an older woman living on a fixed income.

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  • author
    Tracey
    Sep 21, 2022
    Great insurance left another company…

    Great insurance left another company because they didn’t cover much. Great customer service that you can actually speak to if you wanted and even if you do email they respond quick. Everyone I dealt with was always very nice and helpful and very easy website to navigate. I tell everyone about pumpkin when they ask.

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  • author
    Duke Gomez
    Sep 21, 2022
    I received exactly what I was expecting…

    I received exactly what I was expecting in coverage for our beloved Dog. I will use Pumpkin again.

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  • author
    Lynne
    Sep 21, 2022
    I'm so happy I did this

    I'm so happy I did this. My kitten got anaplasmosis (and he's an indoor cat). It cost over $1000. My claim went through quickly and without an issue. Thank you

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  • author
    customer
    Sep 21, 2022
    My dog got sick was treated at our Vet…

    My dog got sick was treated at our Vet I paid the bill. I submitted the bill on line for Reimbursement. No hassles I received a payment by direct deposit that I set up earlier. Great company would definitely recommend.

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  • author
    Jessica
    Sep 21, 2022
    We have a 6 month old puppy and we…

    We have a 6 month old puppy and we decided on a whim to get pet insurance from from Pumpkin as it was highly recommended by a friend. Weeks after beginning our coverage, we had an accident and our puppy needed emergency vet attention and surgery. Pumpkin handled our claim hassle free and the reimbursement was more than we expected. That was a huge relief especially after all that we had been through with the accident! We are recommending Pumpkin to everyone. Thank you Pumpkin!

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  • author
    Victoria M.
    Sep 21, 2022
    The best pet insurance on the market

    The best pet insurance on the market

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  • author
    customer
    Sep 21, 2022
    Highly recommend this insurance!

    My claim was processed quickly and everything that I expected to be covered was. Great customer service too. I would definitely recommend them!

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  • author
    Annabel Feider
    Sep 21, 2022
    Overall I am really happy…

    Overall I am really happy with my reimbursement rate and what is included with pumpkin. I have had a few issues with support overall. 1. when you chat in their systems seems to not record it as a contact so it just goes nowhere if the agent doesn't follow up. 2. the negotiation between pumpkin and my vet has been tricky at times when her preventative meds need to be refilled. 3. this is not so much support but claims take like a month to process which feels like a long time on a big claim.

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  • author
    Christina Mattioli
    Sep 10, 2022
    Beware of false advertising

    I was extremely happy with Pumpkin, they were very responsive and the claims had a really quick turnaround time. They had the most overall coverage of all the plans I researched. All great...UNTIL I was not reimbursed for something they had clearly stated as covered on their website (see screenshot, BEWARE they DO NOT cover CBC at an annual exam). Totally false advertising, especially for something VERY expensive. Don't care how good your insurance is, if you lie...I'm OUT!

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  • author
    Maha Kamal
    Aug 30, 2022
    Insurance and Beyond

    I'm blown away by Pumpkin's level of care and support for its customers. My 18-year-old cat recently passed away, and not only did Pumpkin cover the costs of her in-home euthanasia and cremation, but I also received a flower delivery. I've not experienced this level of care from an insurance provider in a long time. Thank you, Pumpkin. I will highly recommend you to my friends and family.

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  • author
    Joann Youkers
    Aug 20, 2022
    Very disappointed.

    I have a claim with the company for over a month first they told me it was denied. Then when I called them they realized the denial was in error. The claim is for over 5000.00 dollars and they are still jerking me around every time I call they say the check will be released in 10 days this was 25 days ago. Customer service is awful. I am switching companies.

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  • author
    Barbara
    Aug 17, 2022
    Horrible company!!

    Horrible company!!! Stay away. They refused to pay for a well visit for my cat. They used a technical excuse. They also rAise there fees a ton for no reason. They are really despicable. But they will write tons of long emails. I am looking for different insurance

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  • author
    Patrick
    Aug 25, 2022
    Does not hold up their obligations to customers

    Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or fools. Stay away from Pumpkin Pet Insurance. UPDATE 8/24/22 Pumpkin has honored their obligations and processed my claims satisfactorily. I hope this will be their new standard for service. I am cautiously keeping my policy for now, but I am very concerned that such a poor experience may repeat itself.

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  • author
    Lori
    Aug 04, 2022
    Website doesn't work and they charge you anyways

    I tried to sign up, got all the welcome emails, etc. Then could not access the website, got an error. Called and was told oh sorry, our bad, apply again. Did, but had no luck getting the darn thing paid, again, website issues. Cancelled and gave up trying. Went with Pets Best. Then out of the blue 8 weeks later, I was charged for both months. Waiting on hold for 45 min+. What a laughable company. I do not recommend them and will never suggest them to any of my clients.

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  • author
    Kimberley Colbaugh
    Jul 28, 2022
    They don’t pay their claims

    They don’t pay their claims. They make excuses why they can’t pay the claims until they finally say “well you’re no longer a member so we’re never going to pay your claim now. They waited right up till the last hours of June to request records from a past vet. If you don’t continue paying 80 bucks a month while they keep thinking about things they will refuse to pay for anything at all. They didn’t even pay the wellness visit which I had extra payment on. Very disappointing and I would not recommend it to anybody at all

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  • author
    Lisa Kirkorian
    Jul 28, 2022
    Disappointed

    I researched pet insurances prior to getting our puppy & decided to go with Pumpkin. Even though they were more expensive than others they covered a little more & the reimbursements they said were quick. The first two puppy wellness fees (even though they only cover one) we were reimbursed within 2-3 days from the time I submitted the claims. I submitted the third puppy wellness visit with vaccines on June 22, 2022. It has been over 4 weeks & we have still not been reimbursed. When I spoke with customer service I was told 1, regular visits do not get reimbursed as quick as the wellness claims, & 2 they are doing internal & external updates. Not sure which one it is, but we are extremely disappointed & frustrated with this issue. I’m so sorry I have recommended this insurance to other people.

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  • author
    marcos baez
    Jul 15, 2022
    Thieves & con

    Thieves & con artists, they'll sell u an additional "preventative care package" which alleges to include reimbursement for one vax & one annual check up, but if the vet finds anything, even just a mild ear infection then Pumpkin will not reimburse you for that annual check up after you paid extra for that. Also you first claim will process crazy quick but after the "auto renewal" your next claim will take weeks & half denied *** Noticed their reply never actually denied being thieves or con artists, that reply might as well have been in clingon because the words meant nothing. I'll never pay these clowns one more cent, I cancelled that card already 🖕

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  • author
    AL S.
    Jul 05, 2022
    Quick and responsive

    Quick and responsive

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  • author
    Jeramie Kivler
    Jul 03, 2022
    Pumpkin likes to overcharge you

    Pumpkin likes to overcharge you. Especially when it’s a long holiday weekend, and no one is able to be reached

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  • author
    Consumer
    Jun 28, 2022
    Cancelled Renewal

    I canceled my June renewal 30 days prior, in May. I have the confirmation emails. One of the reasons I canceled was they suck you in with a low price and jam it to you at renewal.Signed up for coverage when my pup was 4 months old, now is 1year 4 months old, still, a pup, why such an increase. Going back to the cancelation, June comes and they took money from my account without my permission. I feel like a victim of corporate THEFT, and think that is illegal. Called Pumpkin and they neglected to cancel the renewal. Now I am fighting to get my money back. When calling the call representatives they tell me they do not have the authority to fix the problem. I am going to call the Insurance Commission for insight or file a complaint.

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  • author
    Zoey G
    Jun 14, 2022
    They will go above and beyond to cover NOTHING

    I chose Pumpkin for my 2 kittens after doing research about coverage, pricing, customer service and etc. hoping it will be decent since the reviews online seemed to be positive. I was SO WRONG. I’ve had Pumpkin for over 6 months and this has been my experience so far: 1. Preventative essentials will cover some basic stuff initially. (But not all by far) 2. Standard tests like felv and fiv tests are not covered. (By insurance, you would think that would be covered, because it’s ordered by the veterinarian and is testing for an illness, right?) 3. They will make you submit health records and the invoices with every claim and then reject your claim based on MISSING records. (I’ve resubmitted multiple claims with every piece of paperwork for each individual cat multiple times) NOTABLY they will not ask for those records, just keep the claim in “review” for MONTHS at a time and then send you a rejection notice. 4. The customer support will give you the run around in a pleasant tone while resolving NOTHING. Ultimately save yourself the headache and go with another provider. ***Update to the response - I have submitted ALL paperwork, talked to your representatives and even emailed invoices over. I currently have multiple claims under review. Notably, you advertise that you cover the cost of microchipping. I have submitted the health records, invoices, and emailed the invoice as well. It’s been over a month, I guess your team is trying to find a clause in your terms to decline that claim and it’s taking a while?

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  • author
    Megan
    May 27, 2022
    Less worry, more snuggles!

    My kitten had an accident that cost thousands in surgery fees. When it became clear that my cat needed surgery, I called the customer service line and spoke with a very helpful and kind operator who talked me through the process of filing a claim. After my claim was filed, I was reimbursed 90% within 10 days. Wow! They also provided a very clear breakdown to help me understand what was covered under my policy. Thanks to Pumpkin, I spent less time worrying about how to pay for vet bills and more time focusing on my cats recovery. Thank you Pumpkin!

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  • author
    customer
    May 26, 2022
    I would highly recommend Pumpkin to all…

    I would highly recommend Pumpkin to all pet owners. The claim process is so easy and they handle claims efficiently and promptly.

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  • author
    D. Walsh
    May 26, 2022
    Sent in my first claim

    Sent in my first claim. Response was fast& claim paid quickly. So far I am very happy with pumpkin.

    ...

  • author
    Mokusatsu
    May 25, 2022
    A Fair and Square, reachable and honest company for Pet Insurance.

    A fair and helpful company. Honest. You have to pay the vet up front and they reimburse you in about 30-90 days. You can just give the card with other companies to the vet who accepts it as payment. But in exchange for this, which is made very clear, you get a lot of regular care services paid for quickly. Shots, checkups, health checks, nail trimming ( a limited amount-see their list), and that is paid from Pumpkin quickly. Major problems have to be paid for by the Insurance company that underwrites serious care. The Present value yearly regular treatment is far higher than other emergency care which happens but more rarely. Especially as it likely prevents serious problems later. Still, If Pumpkin offered both groups of payment, giving an insurance card to the vet (Direct bill) AND [preventative care, I would be willing to pay 2-3X for the insurance. A dark recession is coming so it might be wise to offer this method as a choice so customers don't flee a growing company. It can be 2K per night for serious problems.I lost a pretty cat but I wouldn't have spent 10K on a low probability fix anyway. Pumpkin is a square deal and always reachable.

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  • author
    customer
    May 26, 2022
    I had no problems filing my claim and…

    I had no problems filing my claim and quickly received a check

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  • author
    Susan
    May 25, 2022
    Very Impressed

    I’ve been very impressed with the coverage, ease of submitting claims, processing time, and customer service that Pumpkin has provided. I was unsure whether to get pet insurance for my new pup, but I’m so glad I did! He, unfortunately, has had two emergency vet visits and it was a relief to know that I had good pet insurance to help with a big portion of the cost.

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  • author
    Adam Hintz
    May 25, 2022
    Very helpful with questions fast turn…

    Very helpful with questions fast turn around for money back after the deductible. Very happy with them and my Great Dane.

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  • author
    customer
    May 25, 2022
    You can trust Pumpkin

    I'm a Pumpkin customer for about a year and they helped me when I needed. Best coverage and customer service.

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  • author
    customer
    May 25, 2022
    Pumpkin is amazing!!!!

    Pumpkin is amazing!!!!

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  • author
    customer
    May 24, 2022
    This is based on my most recent…

    This is based on my most recent experience. Claim was submitted and over a week passed before I received an email it is still in review. That's been more than a week ago. Not a complicated claim. Disappointing as previous claims have been handled so quickly and efficiently.

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  • author
    Cindy Banker.
    May 24, 2022
    Pumpkin Pet Insurance is fabulous!

    We are so glad we took our Breeder's advice and signed up for Pumpkin Pet insurance! They were wonderful! Our young puppy became seriously ill and needed three emergency vet visits and an overnight stay in the hospital. Pumpkin payed for 90% of it just like they said they would. They were very nice on the phone making sure we knew how to file our claim which was easy and they paid us really fast - which was a huge help.

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  • author
    Elizabeth Sampson
    May 23, 2022
    Help for Mr. T. the bulldog. When my bulldog got sick (he is the 3rd…

    When my bulldog got sick (he is the 3rd one I've had), I thought I was in for a big outlay of cash, but I had Pumpkin to help me this time. They saved me over $2500, and paid before my credit card bill came due. I didn't have to worry about money and I was able to give my boy the best care available. Worth every penny!

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  • author
    Joyce
    May 21, 2022
    Pumpkin has been great for my fur baby…

    Pumpkin has been great for my fur baby and all that has been going on with her. We adopted a dog from South Korea, and you never know what you're getting with a rescue. We've had great luck with rescues in the past, but this one was far older than advertised. Micha had lumps and bumps of an older dog and Pumpkin has fulfilled the terms of the agreement with little delay and no real hassles. I've been so happy to have them.

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  • author
    Annabelle
    May 20, 2022
    Best Pet Insurance!

    Pumpkin is the best pet insurance, hands down. No hassles in filing a claim and they are expedient in their processing. I will never use any other pet insurance for my fur babies. Thank you, Pumpkin!

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  • author
    Frank Vittorio
    May 19, 2022
    I can't believe how quickly you process…

    I can't believe how quickly you process claims. I filed a claim and had a check within 24 hours.

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  • author
    customer
    May 19, 2022
    I have only been with the pumpkin…

    I have only been with the pumpkin family for a few months. Staff has been very helpful with my needs for pet coverage and what would be best for my pet and pocket. Submitting claims were easier than I thought having limited computer knowledge and my claims were processed within 3 days max. I did enroll in the direct deposit and would highly recommend it. This was the best and smartest choice for me. Extremely happy customer...

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  • author
    Customer PF
    May 19, 2022
    Pumpkin has been so helpful in relieving financial stress

    Pumpkin has been so helpful in relieving financial stress in a very difficult time for our furrbaby. Mochi is our 8yo kitty mama and passed her annual exam in May 2021 with beautiful color. Our friend just got her kitty a policy at Nationwide and encouraged us to get a pet insurance for ours. We researched and purchased a Pumpkin policy for Mochi in August 2021. In mid Sept, just passed her 14 day waiting period, her appetite started to dwindle and couple days later we took her to the vet and learned she might have cancer. We were so shocked because Mochi has only had allergy and dental issues and never anything major. We were worried that because we just sign up on Pumpkin that the policy won't reimburse her treatment. After Pumpkin reviewed her case, about 4 weeks, they approved the claims! My husband and I were so relieved that we got help from Pumpkin. After 6 months of chemo, Mochi is in remission. Pumpkin reimbursed us up to the policy max. The only regret is that we did not sign up for a higher amount. But seriously, if you have a cat, you will likely at some point have big cost for their health decline, I highly recommend Pumpkin because they did not have fine prints on their policy and their customer services, although took some time, were very courteous and helpful in the end. I have been sharing this journey with my friends and family. It would have been very different if it weren't for the policy through Pumpkin.

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  • author
    customer
    May 19, 2022
    Very quick to reimburse after the vet…

    Very quick to reimburse after the vet visit. People on the phone are very helpful and efficient in answering question. My first time having pet insurance and very pleased with my choice in pumpkin. Hope it continues

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  • author
    customer
    May 18, 2022
    Didn't really help with the expenses of…

    Didn't really help with the expenses of vet visit with the second cat.

    ...

  • author
    customer
    May 18, 2022
    Extremely happy with Pumpkin insurance…

    Extremely happy with Pumpkin insurance and how quickly they handle claims.

    ...

  • author
    Elyn
    May 18, 2022
    When your vet recommends a pet…

    When your vet recommends a pet insurance company and believe me they are the best in my book. I put in for a claim for my westie and, received emails from the company advising what was happening with the claim. They also told me when to expect the check. I'm thrilled with everything.

    ...

  • author
    customer
    May 18, 2022
    I have been very pleased with the my…

    I have been very pleased with the my experience with the Pumpkin insurance and preventive services. Filing claims is super easy and the team is great about providing updates on status of claims and then once completed. I also appreciate the explanation of why something is denied.

    ...

  • author
    customer
    May 18, 2022
    They were friendly and efficient and…

    They were friendly and efficient and reimbursements were quick. Very good experience!

    ...

  • author
    Bruce Whalen
    May 18, 2022
    They paid every bill I submitted.

    They paid every bill I submitted.

    ...

  • author
    Mara Stone
    May 18, 2022
    Pumpkin has made me a believer

    Pumpkin has made me a believer. Their payments are lower than most other pet insurance for the same coverages and they pay quickly. I am a fan!

    ...

  • author
    Araceli Tovar
    May 18, 2022
    Happy Cat

    Getting insurance for my cat was about the smartest thing I could’ve done. She’s already had two hospital stays and having this insurance saved me thousands. Thank you again Pumpkin for offering affordable insurance for our furry family members.

    ...

  • author
    customer
    May 18, 2022
    Great service!

    Great service!

    ...

  • author
    customer
    May 18, 2022
    Love pumpkin and love the fact that…

    Love pumpkin and love the fact that they pay to keep your pet Happy and Healthier, and They pay very fast!

    ...

  • author
    customer
    May 18, 2022
    They are very informative.

    They are very informative.

    ...

  • author
    Shanelle
    May 18, 2022
    Long time for repayment

    One of the reasons I chose this insurance (there were many) was the quick turn around. The first preventative claim I put in, the money was in my account very quickly, easy peasy. This time I have waited exactly one month and my claim is still "in review". I understand everyone is probably back logged, but I feel like that should be said in the buying process. I went to the emergency vet and spent the money knowing I would get it back in a timely manner like they said, but there has been no change for a month in my claim status

    ...

  • 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 10, 2022
    hassle free claims

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

    ...

  • 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 .

    ...

  • 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.

    ...

  • author
    customer
    May 06, 2022
    Good overall.

    Good overall.

    ...

  • 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,

    ...

  • 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

    ...

  • author
    customer
    May 06, 2022
    Fantastic

    Awesome company

    ...

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

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

    ...

  • 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!

    ...

  • 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.

    ...

  • author
    Austv
    May 03, 2022
    Great Experience

    Excellent service and timely processing of claims.

    ...

  • 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!

    ...

  • 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.

    ...

  • 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 💛

    ...

  • 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.

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

  • author
    Anita Lungari
    Apr 29, 2022
    We love Pumpkin

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

    ...

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

    Very easy process filing a claim and quick response

    ...

  • 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!

    ...

  • author
    Kim
    Apr 29, 2022
    Happy Kody

    My experience has been pleasant and professional.

    ...

  • 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.

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

  • author
    Katherine West
    Apr 29, 2022
    Great service

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

    ...

  • author
    Yon Son
    Apr 23, 2022
    Quick response

    Quick response. Thanks.

    ...

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

    Just wish it paid a little more

    ...

  • 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.

    ...

  • 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

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

  • 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.

    ...

  • 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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