Excellent
Based on 3,829 reviews
Pumpkin Pet Insurance4.8Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
3,829 approved reviews, newest moderated first
Brandi S.
My Dane got bloated, they were quick, easy and processed multiple claims. One claims they processed within 17 minutes. The money was transfered to my bank a couple days later. When your going through something like that, the last thing that needs to be on your mind is how can I afford this.
Nisar Ahmed L.
All animals caring
Jessica S.
Fast payments! No fuss
Bri S.
Claims are processed efficiently and payments are easy to receive. I have no complaints so far so good.
Aimee
the human on the otherside
Colleen
Just really quick refund of $ spent on pup . Always great phone response.
ML
Late April my little Morkie had to have an emergency Enucleation (removal of eye). As daunting as this experience was, dealing with the insurance company ie Pumpkin was easy and came with a big surprise. Upon uploading all the required documents into the portal, my case was fast tracked, approved on the spot and the funds were in my account available to me within 20 minutes! Amazing and kudos to Pumpkin for eliminating financial strain during a time of worry .
Jb
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.
