Customer ReviewsforPumpkin Insurance Services

******! I had two senior cats insured with Pumpkin for about a year but cancelled last month. I paid around $125 per cat every single month and only ever submitted three claims, between $80-$300. Each claim was denied immediately and outright. One of my cats had "super-eruption" of his perfectly clean (according to my vet before and after his dental exam) bottom two canines/fangs due to a genetic disorder that would have caused them to grow up into the roof of his mouth. Pumpkin denied my claim of their extraction because in his kittenhood, this cat was diagnosed with stage 1 periodontal disease on his back molars which was resolved after a deep cleaning. These two diagnoses had NOTHING to do with each other which my vet tried to explain to them in a letter as well as through notes in their medical records. It didn't help. **********************'s customer service is essentially an automated emailing system that drags out the appeal process until you're due to pay them for yet another month in order to resolve things. It didn't feel like I ever was corresponding with a real person who listened to medical facts or my vet's explanations. I decided to cut my losses since it felt like in the event of an emergency, Pumpkin would only add to the stress or outright deny an ER claim based on whatever fine print they think could be used to save them some cash. They say they care about our pets yet will do whatever it takes to deny you then write you off when you appeal, regardless if you've already given them thousands and are only claiming $80 for a medication they, non-doctors, decide isn't necessary. To be honest, this company seems like a straight up predatory scam and I really hope the BBB looks into them. Unfortunately, soon after cancelling my policy, my cat was hospitalized for a kidney issue. Had I actually been confident in this company's business practices, it would have saved us both but Pumpkin is too greedy to be trusted. Look elsewhere for the sake of your beloved pets!

Trashy customer service and they are really picky about your pets veterinary service. I would not recommend this service to anyone and I wish I can get my money back.

Beware: Had high hopes for Pumpkin and thought I did enough research, however the fine print will always get you in the end, that's how these companies survive.Two things to beware of before you might choose this insurance:1) If you pay for 'preventive care', their package for things like vaccines, wellness exams, parasite meds, etc.. there is mostly ZERO benefit, it is simply giving them the money first and then they pay it out back to you, so they can make interest on your money. It is not Insurance of any kind, if you use the amount you paid for you're done, if you cancel you will owe the money back to them, if you didn't use it and you cancel, well they keep it anyway. Clever!! Now it does say on the screen it isn't insurance however it is pitched like an add on of sorts as you're setting up your insurance... would you like to add preventive care for $10 (or whatever) a month? Sure... later to find out it is completely worthless...the refunds it states you get is your OWN money!2) Any vaccines that you think are covered or eligible, well if they're two doses, like Lepto for instance, 1 vaccine given in two parts 10 days apart, well to them that's two vaccines so they won't cover the 2nd dose. Ask a vet if this is still one vaccine, of course it is.3) If you call and question anything, well that's when the rudeness starts, condescending phone techs.. I had one ask me personal questions about what vaccines I have and then hang up on me.Disappointing I had high hopes for them, but everything so far has been misleading, i'd hate to see what it is like for major payouts.

Pumpkin Pet insurance is the worst company I have ever dealt with and is a total scam. How they are still in business is mind blowing. With all these complaints I cant believe the BBB hasnt done something about this scam of a company. We paid $170 a month for months and when our lab had problems for the first time in his life, they pulled the same ole stuff with us they did with most other people it sounds like. Denied the claims and said it was Pre existing condition which is a total lie. Even our Vet told them there was nothing pre existing. Its absolutely numbing that a company like this continues to get away the basically criminal activity. We called and tried to sort things out multiple times until we had to cancel. Hope people read the reviews before wasting their time and money on these scam artists