Pumpkin Pet InsuranceReviews of pumpkin.care

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.

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.

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.

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.

Fake reviews and a bad company. You can tell all the 5-star reviews are fake because they're all named "customer". The only genuine review with a real name is 1-star. I also waited on the phone for an hour and received no answer from the Pumpkin side. Stay away from them and their fraudulent claims.

Pumpkin is an Absolute scam. I’m out ALL of the premiums I paid. I found out they have exclusion lists THAT ARE NOT listen in the contract. They call it “proprietary information.” It’s where the company can deny your claim based on “private company knowledge.” For example. IVVD and wobblers is considered curable with the surgery. Those conditions are listed on their “private list” As incurable. Therefore they will not cover them and they do not say they will not cover! I’m out over $1000!!! Just wanted to let everyone know before they throw away thousands and their pet is left with nothing if they get one of the unlisted conditions that no one knows about!

I canceled my plan because its honestly not worth it. Had the accident and illness plan along with the essential pack. Filed a claim for a wellness exam and instead of being reimbursed for it the money went towards my deductible. The employee I talked with was nice and tried to figure out why that happened but I still got no money back. I called to cancel and the employee I spoke with apparently never canceled my plan because I was charged for the next month.