Pumpkin | Pet Insurance Review

Fast and fair response. Highly recommend it.

Pumpkin always answers the phone. I can talk to a human not a robot. They help you right away. They are always responsive to claims and the turnaround is very quick. I cannot stress enough how helpful and supportive they have been to me during my dog’s many visits to urgent care and ER!! I could not take care of him without Pumpkin!!

My needs were handled in a timely manner and very professionally. Losing a pet is terrible and I appreciated the caring shown by the individuals that assisted me.

I've had insurance coverage with Pumpkin for almost a year, and while the policy looks comprehensive on paper, my actual experience has been frustrating and extremely disappointing. My biggest issue has been Pumpkin’s denial of a claim for what they labeled a “pre-existing condition.” My dog was seen by her veterinarian for a respiratory issue and underwent diagnostic testing to determine the cause. Although she had experienced a similar respiratory issue in the past, that issue had fully resolved on its own. According to my policy, any condition that has been cured and free of symptoms or treatment for 180 days should not be considered pre-existing, and my dog clearly met that requirement. Despite this, Pumpkin denied the claim. I was told I could appeal the decision and that my veterinarian could clarify in the medical records that the prior respiratory issue had resolved. I did exactly that and submitted an appeal with updated clinic notes. The appeal was denied anyway. Pumpkin completely ignored both my explanation and my vet’s updated notes and continued to rely on outdated records. I attempted to submit a second appeal, which Pumpkin initially refused to accept. At that point, I contacted the California Department of Insurance for assistance. This prompted Pumpkin to conduct a third review, but the outcome was the same. Once again, they ignored the facts, my statements, and my veterinarian’s updated clinical notes, and continued to deny the claim based on the same old information. This entire process was exhausting, stressful, and incredibly discouraging. It has left me worried that my dog will not receive the coverage she needs if other health issues arise in the future. My second major issue is the outrageous renewal increase. My premium is going up by 59%. This kind of increase is unreasonable—especially when Pumpkin has already shown they are unwilling to cover significant health issues. At this point, I am seriously questioning whether it’s worth continuing my policy with them. Overall, I am extremely dissatisfied and would not consider myself a happy customer.

You all have been great, thank you!