Pumpkin | Pet Insurance Review

I chose Pumpkin for my 2 kittens after doing research about coverage, pricing, customer service and etc. hoping it will be decent since the reviews online seemed to be positive. I was SO WRONG. I’ve had Pumpkin for over 6 months and this has been my experience so far: 1. Preventative essentials will cover some basic stuff initially. (But not all by far) 2. Standard tests like felv and fiv tests are not covered. (By insurance, you would think that would be covered, because it’s ordered by the veterinarian and is testing for an illness, right?) 3. They will make you submit health records and the invoices with every claim and then reject your claim based on MISSING records. (I’ve resubmitted multiple claims with every piece of paperwork for each individual cat multiple times) NOTABLY they will not ask for those records, just keep the claim in “review” for MONTHS at a time and then send you a rejection notice. 4. The customer support will give you the run around in a pleasant tone while resolving NOTHING. Ultimately save yourself the headache and go with another provider. ***Update to the response - I have submitted ALL paperwork, talked to your representatives and even emailed invoices over. I currently have multiple claims under review. Notably, you advertise that you cover the cost of microchipping. I have submitted the health records, invoices, and emailed the invoice as well. It’s been over a month, I guess your team is trying to find a clause in your terms to decline that claim and it’s taking a while?

My kitten had an accident that cost thousands in surgery fees. When it became clear that my cat needed surgery, I called the customer service line and spoke with a very helpful and kind operator who talked me through the process of filing a claim. After my claim was filed, I was reimbursed 90% within 10 days. Wow! They also provided a very clear breakdown to help me understand what was covered under my policy. Thanks to Pumpkin, I spent less time worrying about how to pay for vet bills and more time focusing on my cats recovery. Thank you Pumpkin!

I would highly recommend Pumpkin to all pet owners. The claim process is so easy and they handle claims efficiently and promptly.

Sent in my first claim. Response was fast& claim paid quickly. So far I am very happy with pumpkin.

A fair and helpful company. Honest. You have to pay the vet up front and they reimburse you in about 30-90 days. You can just give the card with other companies to the vet who accepts it as payment. But in exchange for this, which is made very clear, you get a lot of regular care services paid for quickly. Shots, checkups, health checks, nail trimming ( a limited amount-see their list), and that is paid from Pumpkin quickly. Major problems have to be paid for by the Insurance company that underwrites serious care. The Present value yearly regular treatment is far higher than other emergency care which happens but more rarely. Especially as it likely prevents serious problems later. Still, If Pumpkin offered both groups of payment, giving an insurance card to the vet (Direct bill) AND [preventative care, I would be willing to pay 2-3X for the insurance. A dark recession is coming so it might be wise to offer this method as a choice so customers don't flee a growing company. It can be 2K per night for serious problems.I lost a pretty cat but I wouldn't have spent 10K on a low probability fix anyway. Pumpkin is a square deal and always reachable.