Pumpkin | Pet Insurance Review

This company gives us a peace of mind. Very easy to get claims sent in and settled. Refund returns are fast and easy.

WARNING TO CONSUMERS — BE EXTREMELY CAREFUL WITH PUMPKIN PET INSURANCE *** UPDATE: As you can see below, Pumpkin did not read my complaint and left a generic response explaining pre-existing conditions — which my dog’s emergency visit was NOT! RUN from this company and do not give them a dime of your money — call Nationwide Pet Insurance!! And for all denials from PUMPKIN, call Dylan Whitehead — Head of Claims — directly on his office phone and email (available on Rocketreach) to assist in resolving this matter — then proceed to media complaints, regulatory complaints, Department of Insurance, and binding arbitration to ensure these crooks cover what you are owed ! In my experience, Pumpkin Pet Insurance appears willing to label even clearly idiopathic veterinary conditions as “pre-existing” in order to deny or delay legitimate emergency claims. My service dog recently suffered a serious emergency episode involving Hemorrhagic Gastroenteritis (HGE/AHDS), requiring urgent veterinary treatment and hospitalization. BY DEFINITION AHDS is widely recognized within veterinary medicine as an IDIOPATHIC condition — meaning the exact cause is unknown and it is not automatically tied to prior medical history. Importantly, my treating ER veterinarian specifically confirmed this distinction. Despite this, Pumpkin issued what appeared to be an extremely rapid denial attempt claiming the condition was somehow related to “pre-existing” issues. The denial occurred so quickly that it seriously raises concerns regarding whether the claim received any meaningful or medically competent review whatsoever. Remember consumers — those companies are in the business to deny your claims — NOT APPROVE THEM !! Consumers should understand: Idiopathic illnesses by definition are not automatically “pre-existing conditions.” Veterinary emergency claims deserve individualized, good-faith review based on actual medicine and veterinary evidence — not broad assumptions designed to minimize payouts. If you rely on pet insurance for true emergencies, I strongly encourage you to carefully review Pumpkin’s handling practices, denial standards, and appeals process before purchasing coverage. I am currently pursuing formal appeals, veterinary documentation, and additional regulatory review regarding the handling of this matter. I am sure Pumpkin will reply to this review spouting some generic scripted diatribe — DO NOT BE SWAYED ! Pet owners purchase insurance for peace of mind during emergencies. In my experience, this process created the exact opposite. BE EXTREMELY CAUTIOUS with this company — there are amazing alternatives out there that will not scam the consumer under the guise of pre-existing conditions (Nationwide to name one!). RUN from this company and save your hard earned money from these vultures in sheep’s clothing !

Generally good responsiveness to claims and prompt payments on approved items

It’s very simple. Pumpkin does what they say ther are going to do. You actually get what you pay for.

The ease in which to submit a claim and speed at which the claim was reimbursed was impressive.