Pumpkin Pet InsuranceReviews of pumpkin.care

Quotes changed and monies charged to my account without my consent.

ANYONE WHO WANTS PUMPKIN PLEASE READ THIS!!!! THEY ARE HORRID!!! THEY LOOK TO DENY!!! I had pet insurance for my young pet and it was cancelled because the company exited the pet insurance business. I think that should be illegal without rolling you over somewhere but is what it is. My pet is young (at the time, 2) and healthy so I wasn’t worried. On the day my dog went to get his glands expressed, something he had done a couple of times before, he was very lethargic and had trouble getting up on the bed. It took weeks to diagnose him with a partial ACL tear. The day I took him to vet my insurance was activated BUT they said bc I called for appt day before (for anal glands not illness) nothing would be covered. Gets worse!!! My dog was misdiagnosed multiple times, big bills. More than the $10k pumpkin recommends. Not that I saw any of it. Apparently partial tears are hard to diagnose (esp if you mri the wrong area!) 1. My dog had his glands expressed. Naturally pumpkin said the visit was for lethargy and pain and I’m disqualified. My coverage for ACL began THAT DAY like I couldn’t wait one or two or three days. I didn’t take my dog in for lethargy. 2. The drs office SENT A NOTE on appeal that the visit was for anal gland expression that this is what I called for. They didn’t put it on the bill bc they did it for free bc my bill was quite large from x rays. I explained the trouble this caused me. I identified the tech who did the expression. Pumpkin not only denied it but wouldn’t discuss the drs note. You will not be allowed to talk to a human. YOU WILL NOT BE ALLOWED TO TALK ON THE PHONE TO A HUMAN. 3. I was continuously covered and sent proof. 4. Dont be swayed by their coverage without age limitations provision like I was. I looked at three insurances and I had a hard time deciding between them. I was worried about my dog getting old without coverage. I didn’t read enough about it. Bottom line- reviewers have written the coverage goes up astronomically for older dogs and of course your max stays the same. 5. This is THE MOST DISGUSTING PART. Because they tested my dog for everything and some tests showed up mildly positive (you know how you get blood tests some things aren’t in the band but no dr contacts you) they (pumpkin) sent me in an email other illness exclusions I’d have because of the testing. Hilarity- my exclusions are ILLNESS A VS ILLNESS B they wrote that for real! Because nothing was diagnosed! It was all SPECULATION. go to the Dr get a million tests and this is what happens. But pumpkin is a riot- my dog will not be covered for what COULD BE illness A or B. Not kidding. I imagine the list would get longer. I am warning you- this company will LOOK FOR A REASON TO DENY YOU and they present themselves as the opposite. You may think well you’ll be ok if you sign up from birth but I don’t because every insurer has exclusions and you may not think they apply in your dogs situation but a company like pumpkin LOOKS to apply them as broadly as possible even ignoring documents from your own Dr. They were often unkind over email switched me between many people over email and said no one gets to talk to anyone over the phone about these matters. the whole experience was distant and inhuman. I plan to find ways to warn others. I call it a rubber stamp no because they did NOT ADDRESS THE EVIDENCE IN THE APPEAL AT ALL. Had other evidence too but thought this was bulletproof. I complained to the state insurance commission but man is it is a long process. I plan to follow through with any legal action I can. But how do I win? Suppose I do I think they’ll connect anything major to my dogs hospital visit and tests even without a diagnosis or ongoing symptoms. That’s how insidious they are. PLEASE PLEASE PLEASE FIND ANOTHER INSURANCE. YOUR BELOVED DOG DESERVES MUCH BETTER!!!!! Pumpkin has a stock reply. They use this same response for anyone who disputes if a condition was preexisting. This is the level of customer care you will get. They will not reply to anything specific. I imagine they’ll look for exclusions even for the youngest of puppies. Just a matter of when.

I didn’t get reimbursed yet

DR is very friendly and knows what she is telling about

When I purchase insurance from Pumpkin pet insurance I was thrilled to have my dog insured. I was told at that time the things that was covered and the things that was not covered. I was discussing certain issues that the breed of my dog has and I was told that those issues would be covered after six months. Unfortunately my dog developed Luxating Patella , which was one of the illnesses that I was told would be covered after six months, my dog didn’t develop it until he was three years old. I submitted a claim, and they did not process the claim until three weeks after the surgery so they can take another payment out of my account before sending me a denial letter. I’ve been with Pumpkin insurance for almost 3 years and I’ve only filed two claims for one illness and one for this surgery and the other was just a regular routine check . When I called to inquire about why first of all you waited till you took another payment out of my account before you sent me a denial letter and then why tell me at the time I purchased an insurance that this will be taken care of if it’s six months after I’ve had the premium, and he didn’t develop it until Two years 2 1/2 years why is it been denied at all they could tell me what it’s a pre-existing condition so buyer beware of Pumpkin insurance .

Would not recommend. Scam of a company

Update: I received the canned response from Pumpkin about pre-existing conditions. I have filed an appeal because my dog’s treating doctor agrees that there was NOT a pre-existing condition and the previous visit was completely and totally unrelated to the claimed visit. We will see if they listen to the actual doctor who treated my puppy, but so far they still maintain it is a pre-existing condition despite what the licensed veterinary doctor says. ****previous review below**** While I understand that insurance companies exist to make money, there is a point where the coverage that is advertised as covered is nowhere near what is actually covered, which results in customers who trust this company with the health of their beloved pets only to be completely let down. I signed up for Pumpkin and then had an issue where my 3 year old chihuahua woke up and did not want to eat and was nauseous. I took her to the vet, who said something must be bothering her tummy, and gave her anti-nausea medicine. She was fine a day later. My claim was then DENIED by Pumpkin because 170 days ago (before she was covered on the plan) she had an upset stomach and we took her to the vet where she was given medicine for a day and was completely better. Because she had not gone 180 days without any GI symptoms, I was told this was a pre-existing condition. AN UPSET STOMACH IS A PRE-EXISTING CONDITION!! This can be caused by viruses, bacteria, parasites, trauma, ingestion, as well as other physical ailments that manifest as nausea in dogs, but somehow an upset stomach, regardless of the cause, IS A PRE-EXISTING CONDITION!! Now, my poor chihuahua must go another 180 days WITHOUT ANY GI SYMPTOMS AT ALL or no matter what it is, it will not be covered. To me, this means the company who advertises caring about your pet is actually trying to ensure that your pet does NOT get the help they need. There is no trust here, and I am severely disappointed. I believe there is a way to make money with pet insurance without completely eliminating promised coverage at the expense of the health of your pet.

I would give them a zero star rating. I paid thousands of dollars and when it came to submit for a claim they indicate it’s pre existing conditions or the deductible of $500 has to. E met each year. Well if you think about it you never get them to pay especially if your pet see a vet once a year for routine check up and due to the yearly deductible they never pay you back.