Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
3,829 reviews
Pumpkin Pet InsuranceSelect a line to read only those reviews.
Honesty, 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 The Fair Hearing, with an average rating of 4.8 out of 5.
3,829 approved reviews, newest moderated first
Unfortunately, my Newfoundland puppy was diagnosed with severe elbow dysplasia and hip dysplasia. He has been to Cornell too many times in his first year of life. I am so happy I went with Pumpkin insurance and opted for the 90 percent coverage. They are fast, efficient as well as good animal people. Highly recommend!
By Elizabeth
I’ve had this insurance for three years and never needed to use it. A few weeks ago, one of my dogs had an emergency, and filing a claim was quick and effortless. I’ll definitely be staying with them.
By Sharon
The reimbursement was very fast. I was happily and gratefully surprised!
By Robert
It was an easy experience to set everything up. I wish you would leave messages when you call, or just text me, though. You keep calling during my work hours and I can't answer the phone.
By Jean
Quick and uncomplicated claim Service. Reasonable cost.So glad I got pumpkin when I got my Skye. Made it unnecessary to decide between my pup and my bank account. My pup will always win, but pumpkin made it easier. Thanks pumpkin!
By Debb
Had emergency surgery for my Yorkie and it was approved in a day and paid the next day. Never had any problems getting reimbursed immediately.
By customer
I am very displeased with my service of pumpkin as a consumer. First of all I was misled greatly when choosing a plan and deciding to use pumpkin for my pets insurance. I was essentially told whatever I wanted to hear, just to get the sale. I was told claims are processed within in 5 business days, both of my claims took 2-3 weeks. Out of both of those claims I paid $1000.00 to providers, pumpkin covered $0.00. Pumpkin used a blanket term of “pre-existing” their favorite term because it automatically makes they pay their consumers nothing. I was told since my pets condition had been dormant, It would be grandfathered in and covered, yet surprise, surprise, that’s not at all what happened. Not to mention the second claim had absolutely zero to do with his “pre-existing” condition. I am a sick and disabled veteran and don’t have the energy to call and deal with this, but shame on you pumpkin and your corporate greed. At the end of the day, I’m just another $160 a month to you, and it’s very disappointing you are doing this to your customers.
By Tj S.
Response from Pumpkin Pet Insurance· Apr 27, 2026
Hi TJ, 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.
Efficient!
By Ms. REBECCA H.
