Pumpkin Pet Insurance Review
16 Customer Comments & Reviews - see all comments
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Founded in 2019, Pumpkin Insurance Services, Inc. is a licensed insurance agency that offers health coverage for dogs and cats in all 50 states. Pumpkin polices are underwritten by United States Fire Insurance Company. Pumpkin is located in New York, New York.
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16 Customer Comments & Reviews
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Pumpkin is the worst company I ever dealt with. I regret ever switching to them. They make you work for every cent and routinely call everything "pre-existing" so they don't have to cover it. Most recently I had to open a complaint with the CA Dept Insurance. Avoid this company.
Pumpkin insurance is worthless - DO NOT waste your money. Pumpkin deinied 5 of my claims in one year claiming it was due to a "pre-existing condition". My dog has allergies and has been on medicine (Apoquel) for many years which works well to prevent skin itching. He caught a case of Sarcoptic Mange - a mite that burrows into the skin, causes hair loss, severe itching, loss of appetite, and even death. The mange mites led to a severe yueast infection in his skin. According to all the vets, none of this was due to allergies. We went to 5 vets before it was all fully diagnosed and treated. Dog was on Nexguard and antiboitics for 6 weeks and finally recovered. Pumpkin said this was... Read More
Liars and cheats. They denied one of my claims after one of their agents told me that any treatment for trauma to a tooth was covered. Then, they refuse to refund me after I requested to cancel my policy. They LIED to me and told me I never requested to cancel because they ‘listened to the phone recording and didn’t hear that said’. Absolutely unbelievable. I remember 100% saying that I wanted my policy canceled because the dentals were the only reason I got the insurance.
This company is an absolute sham. They lied to me on multiple occasions and then refused to refund me after I tried several times to cancel my policy. They are like every other insurance company, confusing, greedy and dishonest.
Pumpkin turns down everything, claiming it's a "prior illness" or "pre-existing condition" whether it is or not. They go to any lengths to avoid paying. Over 40 years I've dealt with more than a dozen different oet insurance agencies. They all have their problems, but this one is the worst.
BUYER BEWARE! Pumpkin is nothing but a logo and a website. I insured two cats at a very high premium price ($176/month). I drank their marketing Kool-aid instead of going with a proven company. So that's my fault. I submitted claims at the beginning of November for one cat. I received nothing except the same auto-generated email for WEEKS. When I called over a month later, the customer service rep investigated and told me that my claims were being sent for "audit" on December 16th. I was told that the audit process would take between 30-45 days. Called again in January: "we're waiting on medical records" (which had already been emailed in November.) Because I had to... Read More
Christie
NA of Pumpkin Pet Insurance
Official Response
NA of Pumpkin Pet Insurance
Thank you for your feedback, Janet. We truly apologize for the delay in getting your recent claims resolved. They are with the processor and we do hope to have a resolution as quickly as possible. We do appreciate your patience here and we're glad to see we have been able to help cover many of your past claims as well. We'll be in touch soon!
Does your policy cover rehabilitation in hospital after orthopedic surgery?
What is your short history of rate increases and for what?
Christie
NA of Pumpkin Pet Insurance
Official Response
NA of Pumpkin Pet Insurance
Thanks for reaching out! Rehab care could be eligible for coverage assuming the surgery is covered and the injury is not pre-existing to the policy. We won't ever cancel your coverage because of your pet's age and we do everything to keep our premiums as affordable as possible: however, sometimes increases are necessary. A few factors that can contribute to an increase in premium are the age of your pet, advances in veterinary medicine or an update to the coverage that your policy provides. We understand that it's challenging when costs for things go up. In addition to general trend increases which may be necessary from time to time, we do have premium increases for age. For more information, feel free to contact us by email at help@pumpkin.care or chat in during business hours (M-F 9A-5P EST)!
This morning, I purchased a Pumpkin insurance policy and the optional wellness/preventive care plan for my one-year-old cat, Missy. A lot of questions came to mind, because I wasn't certain that I'd understood correctly what I had read online. So, this afternoon I called the company. The representative was very patient and helpful. I frequently get afflicted with "buyer's remorse" after I purchase something. Not so in my Pumpkin purchase today. The coverage gives you good value for the money, not to mention peace of mind. Sure, I could have purchased other policies from other companies for less. However, if Missy should get sick or injured, the most likely event is I'd end up ultimately... Read More
I've had pet insurance for the last ten or so years but have never really been satisfied as I felt like most companies I dealt with always found a convenient way to avoid paying for a claim or pay at much less than expected. Based on the great reviews , I decided to try Pumpkin. I like their easy to use platform and the online claim capabilities. One of my dogs went in for routine neuter (not covered but suffered a complication which required a very expensive surgery. I submitted the claim to Pumpkin and got a response right away that they were looking into it, they updated me a week later stating they were still verifying detail but wanted me to know the status. Today I got an... Read More
Christie
NA of Pumpkin Pet Insurance
Official Response
NA of Pumpkin Pet Insurance
We are so happy we were able to help, and so glad you and your pups are part of the pack!
Horrible experience. I am currently fighting for them to pay for an injury that all of my doctors (I had 3 doctors) agree it was from an acute injury. My puppy (8 months) couldn't walk for two weeks. Her leg was swollen and she was in so much pain. Now Pumpkin is claiming it was from allergies? Even though all of my doctors disagree. I pay $70 a month for this "service." PLEASE SAVE YOUR MONEY DO NOT GET PUMPKIN.
Christie
NA of Pumpkin Pet Insurance
Official Response
NA of Pumpkin Pet Insurance
We are so sorry to hear that you have had a difficult experience so far, as that is absolutely not the norm for us nor the experience we'd like for you or your puppy! We base our claim decisions on the medical records provided by your vet as well as the start date of your policy. Keep in mind you can absolutely appeal a claim if you do not agree with the outcome and we are more than happy to help and re-review!
Top Rated
Our Partner
- Get Up to 90% Cash Back on Eligible Vet Bills
- Coverage for Routine Wellness, Accidents & Illnesses
- No Upper Age Limits or Breed Exclusions
- Annual Limit of $10K, $20k or Unlimited For Dogs
