Honesty, pricing, process and quality scores appear once 5 customers have rated them.
About Pumpkin Pet Insurance
If pets are your kids, we’re your insurance.Dog, cat – doesn’t matter.When your kid is hurt or sick, a Pumpkin Pet Insurance plan can help you make decisions based on need, not cost, with up to 90% cash back on eligible vet bills. Count on premium accident and illness coverage, plus an urgent pay service that shows up in the moments that matter most – before you pay for treatment. At Pumpkin, we’re here for wellness too, with products to support the preventive care vets recommend every year, through every phase. You want the best for them. We’re right there with you.
Pumpkin Pet Insurance (pumpkin.care) has 3,829 customer reviews on Folks Told, with an average rating of 4.8 out of 5.
Horrible insurance. Unorganized claims department. Will deny your claims despite it being a NEW issue. Made my vet send records multiple times just to deny. Customer service is also not to par. Trupanion is a MUCH better provider and worth the price because they ACTUALLY cover your claims.
Reply from Pumpkin Pet InsuranceJun 10, 2026
Hi Casey, we definitely understand it can be frustrating when a claim is not approved. Like most providers, we do not provide coverage for pre-existing conditions. This means that if something occurs, or was showing signs or symptoms prior to enrollment or during the waiting period, it would not be eligible for coverage. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Once a claim is filed, it is then processed by a Pumpkin claims team member, all of which have a veterinary medical background. Our claims team uses medical records and documentation provided by your veterinarian in order to determine coverage eligibility. Keep in mind that while we may not be able to offer coverage for pre-existing issues, new unrelated accidents or illnesses may be eligible for coverage.
AE
Aaron E.
Extremely Slow Claims Processing
I've had Pumpkin for just shy of a year. My rescue dog is ~2 years old. Prior to filing a single claim, I received advanced notice that Pumpkin intends to raise my rate by over $20/mo. for the upcoming year (for the same exact care). My dog subsequently had an accident that required vet care and a follow-up procedure. I submitted a detailed invoice and veterinary records. It took Pumpkin nearly a month to review and approve my claim, during which time I had to follow-up multiple times, as my claim kept getting lost/stuck in their system. I then sent Pumpkin the itemized receipt for the follow-up procedure they already reviewed and approved (which came in under the approved estimate). At the time of this writing, a week has passed without my claim being reviewed or processed. When I followed up just now, I was told that processing times could take up to three weeks--for a an estimate that was already reviewed and approved. I'm glad to see that so many other pet parents on Trust Pilot appear to have had great experiences with Pumpkin, but I have huge buyer's remorse and wish I'd gone with virtually any of their competitors.
Reply from Pumpkin Pet InsuranceJun 10, 2026
Hi Aaron, thank you so much for your patience. We are currently experiencing a high volume of claim submissions, which is impacting our processing time for new claims and estimates. Rest assured, our claims team is working diligently to process these for all of our pet parents as quickly as possible.
At Pumpkin, pets and their parents always come first, so we hate that you and your pet have had a less than ideal experience so far. Please know that we will reach out directly once your claim has been completed!
AN
Andrea
Your coverage stinks....
Your coverage stinks....
Reply from Pumpkin Pet InsuranceJun 16, 2026
Hi Andrea, we definitely understand it can be frustrating when a claim is not approved. Like most providers, we do not provide coverage for pre-existing conditions. This means that if something occurs, or was showing signs or symptoms prior to enrollment or during the waiting period, it would not be eligible for coverage. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Once a claim is filed, it is then processed by a Pumpkin claims team member, all of which have a veterinary medical background. Our claims team uses medical records and documentation provided by your veterinarian in order to determine coverage eligibility. Keep in mind that while we may not be able to offer coverage for pre-existing issues, new unrelated accidents or illnesses may be eligible for coverage. If you need any further assistance, you can reach our care team by phone or chat during business hours, or email us anytime.
JO
Joseph
WARNING TO CONSUMERS !!!!
WARNING TO CONSUMERS — BE EXTREMELY CAREFUL WITH PUMPKIN PET INSURANCE
*** UPDATE: As you can see below, Pumpkin did not read my complaint and left a generic response explaining pre-existing conditions — which my dog’s emergency visit was NOT! RUN from this company and do not give them a dime of your money — call Nationwide Pet Insurance!! And for all denials from PUMPKIN, call Dylan Whitehead — Head of Claims — directly on his office phone and email (available on Rocketreach) to assist in resolving this matter — then proceed to media complaints, regulatory complaints, Department of Insurance, and binding arbitration to ensure these crooks cover what you are owed !
In my experience, Pumpkin Pet Insurance appears willing to label even clearly idiopathic veterinary conditions as “pre-existing” in order to deny or delay legitimate emergency claims.
My service dog recently suffered a serious emergency episode involving Hemorrhagic Gastroenteritis (HGE/AHDS), requiring urgent veterinary treatment and hospitalization. BY DEFINITION AHDS is widely recognized within veterinary medicine as an IDIOPATHIC condition — meaning the exact cause is unknown and it is not automatically tied to prior medical history.
Importantly, my treating ER veterinarian specifically confirmed this distinction.
Despite this, Pumpkin issued what appeared to be an extremely rapid denial attempt claiming the condition was somehow related to “pre-existing” issues. The denial occurred so quickly that it seriously raises concerns regarding whether the claim received any meaningful or medically competent review whatsoever. Remember consumers — those companies are in the business to deny your claims — NOT APPROVE THEM !!
Consumers should understand:
Idiopathic illnesses by definition are not automatically “pre-existing conditions.”
Veterinary emergency claims deserve individualized, good-faith review based on actual medicine and veterinary evidence — not broad assumptions designed to minimize payouts.
If you rely on pet insurance for true emergencies, I strongly encourage you to carefully review Pumpkin’s handling practices, denial standards, and appeals process before purchasing coverage.
I am currently pursuing formal appeals, veterinary documentation, and additional regulatory review regarding the handling of this matter. I am sure Pumpkin will reply to this review spouting some generic scripted diatribe — DO NOT BE SWAYED !
Pet owners purchase insurance for peace of mind during emergencies. In my experience, this process created the exact opposite.
BE EXTREMELY CAUTIOUS with this company — there are amazing alternatives out there that will not scam the consumer under the guise of pre-existing conditions (Nationwide to name one!). RUN from this company and save your hard earned money from these vultures in sheep’s clothing !
Reply from Pumpkin Pet InsuranceJun 1, 2026
Thank you for your feedback. As with most pet insurance, we have some exclusions, such as pre-existing conditions. These are conditions that occur before coverage begins or during a waiting period. With our plan, this doesn’t mean the condition can’t be covered in the future. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered. Other exclusions include elective cosmetic & dental services and breeding-related costs.
LY
Lynn
Could not get information about…
Could not get information about pre-existing conditions when talking to a representative on the phone. I was told you have to file a claim first and see if the cover it. They will not review your pets medical records ahead of time, so you can pay them premiums and then find out they would cover your pets illnesses
Reply from Pumpkin Pet InsuranceMay 29, 2026
Thank you for your feedback. We're sorry you were left with outstanding questions regarding pre-existing conditions.
Like most pet insurance, our plans don’t cover pre-existing conditions – anything your pet showed signs of or was treated for before signing up or during the waiting period.
Here’s where Pumpkin does things differently: not all pre-existing conditions are off the table forever. If an illness or injury is curable (think swallowed toy or kennel cough) and your pet fully recovers with no symptoms or treatment for 180 days, we could cover it if it comes back. The one exception is knee and ligament conditions.
Is it still worth signing up? We think so. 45% of Pumpkin parents use their plan in the first year, and you could start getting up to 90% of eligible vet bills covered for new conditions in 14 days or less, depending on your state.
[Plus, if you add our optional wellness package (not insurance), you could get refunds for routine care like yearly check-ups & vaccines on day one.]
JB
Jb
A problem came up and they labeled it…
A problem came up and they labeled it preexisting. The vet diagnosed it as something different but they still said it was preexisting. They don't mind taking your money though. Bad choice!
Reply from Pumpkin Pet InsuranceMay 19, 2026
Thanks for your feedback, Jb. We're sorry we were not able to assist with coverage for this claim. If you'd like to review it with one of our agents, please give us a call. Like most pet insurance, our plans don’t cover pre-existing conditions – anything your pet showed signs of or was treated for before signing up or during the waiting period.
Here’s where Pumpkin does things differently: not all pre-existing conditions are off the table forever. If an illness or injury is curable (think swallowed toy or kennel cough) and your pet fully recovers with no symptoms or treatment for 180 days, we could cover it if it comes back. The one exception is knee and ligament conditions.
LO
Lo
This company is a complete scam
This company is a complete scam. Prepare to have none of your claims approved. Dont waste your money here
Reply from Pumpkin Pet InsuranceMay 13, 2026
We're sorry to hear your claims were not eligible for coverage. We'd love the opportunity to review these outcomes with you and discuss how we can help your pet in the future. Please give us a call at 866-ARF-MEOW!
LA
Lala A.
Absolutely horrendous company
Absolutely horrendous company. Incompetent support staff. They will deny every claim after paying them for years. Do not waste your money or your time here.
Reply from Pumpkin Pet InsuranceMay 13, 2026
We're sorry to hear your claims were not eligible for coverage. We'd love the opportunity to review these outcomes with you and discuss how we can help your pet in the future. Please give us a call at 866-ARF-MEOW!
