Tuesday, November 10, 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.
Showing 143 reviews with 1 star · Clear filters
I want a refund and it’s not being processed
By customer
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for your feedback, Ashley! It looks like your issue has been resolved. If you need more assistance, don't hesitate to email us at [email protected] or call us during business hours.
Pumpkin denied a prescription Royal canine prescription diet for Kaiser that is on more than a year that always was refunded. They said to appeal but the appeal will affect other claims. Later the email information about the appeal indicates that they might impact other claims as they are related. Kaiser has exams in a week regarding his cancer status. So how am I supposed to continue caring for his care when pumpkin might stop these future expenses on the light of an appeal? The raised Kaiser premium from $117 to $177 as of January 2023. How does this look for caring for my pet?
By Elizabeth Arias B.
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for your feedback, Elizabeth. We are so sorry that Kaiser has been having such a tough time and he is in our thoughts. We do see that you have been in communication with our Customer Care Team, but don't hesitate to reach back out if you need further assistance regarding Kasier's claims!
Renews automatically without sending a reminder or a notice
By Haya B.
Response from Pumpkin Pet Insurance· Dec 8, 2022
Thanks for your feedback, Haya! Our policy does renew if not cancelled to ensure your pet has no lapse in coverage and stays protected! However, we do send you a physical copy of your renewal in the mail approximately 60 days prior to renewal for your review. Contact us if you have any additional questions at [email protected].
My claim was denied although there was never any previous treatment for this
By customer
Response from Pumpkin Pet Insurance· Dec 1, 2022
Thanks for your feedback! Like most providers, we are unable to provide coverage for anything showing signs or symptoms as noted by your vet prior to coverage. If you have more questions about the specifics of this denial, please contact us at [email protected] and we are happy to walk through your explanation of benefits with you!
It is great that there are so many good reviews about Pumpkin. But I had to cancel my cats membership because of not being reimbursed for a $625 bill and $65 vet bill since June of this year ! Constantly calling and getting same excuses that their software has been updated,blah blah blah….. It’s not acceptable ! I pay for this insurance and can’t get reimbursed cause of some soft wear issue ????!!!! So I cancelled and will give this company a zero rating !!! Also they didn’t even ask why I wanted to cancel, what was the issue….very bad bad customer service !!!!
By Estee C.
Response from Pumpkin Pet Insurance· Sep 22, 2022
We are sorry to hear that you have had anything less than a stellar experience with Pumpkin. We'd love to take a look into your claim to see how we can help lend a paw or review your coverage. Please email us at [email protected] with the name or number associated with your account.
I was extremely happy with Pumpkin, they were very responsive and the claims had a really quick turnaround time. They had the most overall coverage of all the plans I researched. All great...UNTIL I was not reimbursed for something they had clearly stated as covered on their website (see screenshot, BEWARE they DO NOT cover CBC at an annual exam). Totally false advertising, especially for something VERY expensive. Don't care how good your insurance is, if you lie...I'm OUT!
By Christina M.
Response from Pumpkin Pet Insurance· Sep 12, 2022
Thanks for your feedback, Christina. We do apologize for any confusion regarding your coverage! Bloodwork, or a CBC, is something that could be eligible under one of our plans if it is a part of the diagnosis process for an eligible accident or illness not pre-existing to your policy. An annual CBC test as a part of a wellness visit and is considered preventative would not be covered under the insurance or our preventative essentials plan, as it is not a listed offering in our Preventive Essentials add-ons, and our accident and illness coverage does not include preventative care.
I have a claim with the company for over a month first they told me it was denied. Then when I called them they realized the denial was in error. The claim is for over 5000.00 dollars and they are still jerking me around every time I call they say the check will be released in 10 days this was 25 days ago. Customer service is awful. I am switching companies.
By Joann Y.
Response from Pumpkin Pet Insurance· Aug 22, 2022
Thank you for your feedback, Joann. We appreciate your patience as we work to get this claim completed for you! We've also contacted you directly to help resolve this as quickly as possible.
Horrible company!!! Stay away. They refused to pay for a well visit for my cat. They used a technical excuse. They also rAise there fees a ton for no reason. They are really despicable. But they will write tons of long emails. I am looking for different insurance
By Barbara
Response from Pumpkin Pet Insurance· Aug 17, 2022
We definitely understand your concern about the rate increase. Unfortunately, as with all pet insurance, our rates will increase from time-to-time. We pride ourselves on working hard to keep premiums as low as possible while still providing quality coverage, so we think carefully about rate increases. Keep in mind that your premium is based on your pet's breed and age as well as your geographic area. Additionally, keep in mind we do rely on medical records and vet notes provided by your vet to determine if a visit was a wellness only visit or related to an accident or illness. We're so glad your accident and illness coverage has been able to approve your kitty's claims!
