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Pumpkin Pet Insurance Reviews 3,183

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Looking at 1,533 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its excellent service, particularly highlighting the quick and efficient processing of claims and reimbursements. Many people appreciate the prompt response times from customer service, describing interactions as helpful, kind, and professional. The ease of submitting claims and the speed at which payments are issued are frequently mentioned as significant benefits, making the overall experience smooth and stress-free for pet owners. However, some customers also noted issues with delayed claim processing, with some claims taking several weeks instead of the promised few days. A few other people also felt that the company denied claims due to "pre-existing conditions" without clear explanations, even for conditions that appeared after the policy started. There were also occasional mentions of difficulties in getting refunds and a lack of transparency regarding claim timelines and required documentation.

What people talk about most

Claim

Customers consistently note positive experiences with claim processing, highlighting its speed and ease. Many... See more

Service

Customers had positive experiences with service. Many reviewers expressed appreciation for the quick and... See more

Response time

Reviewers mention positive feedback about response times. Many customers praise the quick processing of... See more

Customer service

People report positive experiences with customer service. Customers consistently praise the helpfulness,... See more

Refund

Clients share positive opinions on refund experiences. Many reviewers praise the quick processing of claims... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I really appreciate the new system for bills over $500. It’s quick and responsive for pet owners who may not have thousands of dollars readily available for expensive surgeries in the moment, while st... See more

Rated 5 out of 5 stars

My pup got really sick and I had to take him to 2 different Emergency Care Vets over the Easter holiday. This is the first time he’s gotten sick and I thought I might loose him. Thank You Pumpkin for... See more

Rated 5 out of 5 stars

Pumpkin Pet Insurance is the best pet insurance we have ever had. Pumpkin’s Customer Service and quick response to claims are both exceptional. All questions are quickly and thoroughly addressed. M... See more

Rated 5 out of 5 stars

Great service, the pumpkin now works as they state it does. The process makes it much less painful to get the help your family dog needs ! Highly recommend this pet insurance ! My French Bulldogs are... See more


Company details

  1. Pet Insurance Company
  2. Insurance Company
  3. Veterinarian

Written by the company

If pets are your kids, we’re your insurance. Dog, cat – doesn’t matter. When your kid is hurt or sick, a Pumpkin Pet Insurance plan can help you make decisions based on need, not cost, with up to 90% cash back on eligible vet bills. Count on premium accident and illness coverage, plus an urgent pay service that shows up in the moments that matter most – before you pay for treatment. At Pumpkin, we’re here for wellness too, with products to support the preventive care vets recommend every year, through every phase. You want the best for them. We’re right there with you.


Contact info

4.8

Excellent

TrustScore 5 out of 5

3K reviews

5-star
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1-star

Replied to 87% of negative reviews

Typically replies within 1 week

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Rated 1 out of 5 stars

After two years of paying my monthly…

After two years of paying my monthly premiums on time and submitting no claims, Pumpkin decided to more than double my premiums. As such, I dropped them. Do not support this company; they are in it for the money.

April 29, 2026
Unprompted review
Rated 5 out of 5 stars

Great insurance

Great insurance. Signed up. Went in for wellness exam and got reimbursement very quickly. Would highly recommend.

April 23, 2026
Rated 5 out of 5 stars

Ollie loves Pumpkin

It has overall been a smooth experience with Pumpkin Insurance so far; from our initial consultation to setting up to submitting our claims. Pumpkin has brought us peace and comfort knowing our little Ollie will have great care when he needs it the most. We are truly thankful!

April 21, 2026
Rated 5 out of 5 stars

I submitted my first claim

I submitted my first claim. I called to make sure I was doing everything properly and basically all I needed to do was submit the claim with a copy of the vet bill, and Pumpkin reached out to the vet, and I got the payment about 2 weeks later deposited directly into my checking account! Very easy process!

April 19, 2026
Rated 5 out of 5 stars

Love Pumpkin so far

So far Pumpkin is working excellent for us. I wasn’t sure how reimbursement worked and seemed to take awhile but once I reached out it was reimbursed right away. It did take a little longer than what it says on the website but still reasonable!

April 19, 2026
Rated 5 out of 5 stars

Very happy

Unfortunately, my Newfoundland puppy was diagnosed with severe elbow dysplasia and hip dysplasia. He has been to Cornell too many times in his first year of life. I am so happy I went with Pumpkin insurance and opted for the 90 percent coverage. They are fast, efficient as well as good animal people. Highly recommend!

April 21, 2026
Unprompted review
Rated 4 out of 5 stars

It was an easy experience to set…

It was an easy experience to set everything up. I wish you would leave messages when you call, or just text me, though. You keep calling during my work hours and I can't answer the phone.

April 10, 2026

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