Pumpkin | Pet Insurance Review

I just started with Pumpkin so far it’s ok

Great all together. Had to cancel previous insurance because I’d billing issues. Now I am paying less for the same treatment.

A Good company

I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money. Update after response: An abnormal liver enzyme during recovery after a surgery is not a precondition of anything except normal metabolism of healing. Especially when there is many many years that it is normal again before a true illness occurs. My rating stands and I would give lower if I could.

If I could give them a zero I would. I have the policy for just two months. I am absolutely furious. My dog had a medical emergency the day before Christmas, and I submitted my claims along with her vet records, expecting a timely response. Instead, I waited. And waited. I called three times, only to be told each time that my claim was "processing." Then, Pumpkin Insurance canceled my policy. I refuse to continue paying for additional months of coverage when their claims process has been so blatantly negligent. After further investigation, I found that they did send an email regarding the claim—but no one ever made an attempt to call me, and their emails were filtered into my Spam folder. And yet, despite this, they denied my claims, falsely stating that they never received my dog's vet records. That is a lie—they most certainly did. To make matters worse, they had the audacity to send an email with the subject line: "Your Pumpkin claim was recently completed. How did we do?" Are they serious? I will be pursuing legal action and reimbursement.