Ease of submitting claims
Ease of submitting claims, timeline of receiving reimbursement, customer service agents friendly and knowledgeable
By customer
Saturday, November 7, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
3,829 reviews
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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
Ease of submitting claims, timeline of receiving reimbursement, customer service agents friendly and knowledgeable
By customer
Our German Sheperd was scratching all the time so we took him to the vet and used our Pumpkin insurance and within in a few weeks we were reimbursed for the Vet visit less the deductible. We are very pleased with Pumpkin
By Bobby C.
Pumpkin always reimburses quickly! Best care for my best friend!
By Matthew K.
Fast claim response! Great customer service with prompt response time.
By customer
They allow you to sign up online but you can only do monthly billing that way which comes with an extra monthly charge of $2/month. They say to call if you want to pay for the year to avoid the fee. After signing up, I called to pay for the year but was told I would still have to pay the extra fee for the first month because I did the sign up online. Pretty awful way to get $2 extra dollars out of everyone. Also, your term starts right away meaning you are already paying for coverage but they don’t offer coverage for 15 days. I get the waiting period for people who might wait to insure their pet until there is a problem but don’t charge for the period when you won’t provide coverage. Even the waiting period seems unfair when the dog is brand new to you. I insured my dog the day I got her but still have to wait 15 days and given she is a puppy, already have lots of vet expenses that won’t be reimbursed. Just feels like they are after every possible way to get money out of their customers without providing any service to do it. Really bad first experience with them.
By J A.
Response from Pumpkin Pet Insurance· Mar 24, 2023
Thanks for your feedback. We do apologize you were unable to get started on the annual billing option initially, this is an option currently only for enrollments over the phone with one of our agents! Most providers do have waiting periods prior to plans beginning. However, if you add the Preventive Essentials Plan, there is no waiting period for these services!
Claim was reviewed within two weeks and was credited toward my deductible. So far, so good.
By Cheryl
Quick, easy and covers a good bit! Worth every Penny with my puppy!
By Vickie
The process of filing a claim was simple. Best of all everything was super fast.
By Christine