Founded in 2019, Pumpkin Insurance Services, Inc. stands out for its comprehensive accident and illness plans, covering a wide range of conditions such as dental illnesses, behavioral issues, hereditary conditions, and microchipping—benefits often excluded or requiring add-ons with competitors. With no upper age limits, Pumpkin is accessible for senior pets, and its 14-day waiting period for all conditions, including orthopedic issues like hip dysplasia, is shorter than many insurers' 6–12-month waits. The optional Preventive Essentials add-on supports routine care, and a 10% multi-pet discount makes it appealing for households with multiple animals. Pumpkin's high customer satisfaction, reflected in a 4.5/5 Trustpilot score, and innovative features like PumpkinNow (instant payments for claims over $1,000) further solidify its position as a top choice.

Pumpkin offers responsive customer service through phone and email, available Monday to Friday from 8:00 AM to 8:00 PM EST. A chat feature is planned for future implementation. Claims can be submitted digitally via an online portal, with quick processing times (often 1–2 weeks, or minutes with PumpkinNow for eligible claims). Unlike some competitors, Pumpkin does not offer a 24/7 vet helpline, but its SMS text messaging support and prompt email responses (within a day) enhance accessibility. Customers can visit any licensed veterinarian in the US or Canada, with no network restrictions, and direct vet payments are available if the vet agrees to submit claims.

Trustpilot Rating:

4.5/5 (based on 1,733 reviews as of June 1, 2025).

BBB Rating:

Not BBB accredited, C+ rating.

Common Complaints:

Claims Denials for Pre-existing Conditions: Customers report denials due to conditions labeled as pre-existing, even when records suggest otherwise, leading to disputes.

Delayed Claims Processing: Some experience delays (beyond 2 weeks) due to software upgrades or documentation issues, causing frustration.

High Premiums: Monthly costs are higher than average, especially for purebred or senior pets.

Preventive Essentials Limitations: The wellness add-on is criticized for limited coverage (e.g., one vaccine for cats) and not being cost-effective for all.

• Fast and Easy Claims Process: Many customers highlight quick reimbursements (1–2 weeks or less) and a user-friendly online claims portal.

• Comprehensive Coverage: Coverage for dental illnesses, behavioral therapy, and curable pre-existing conditions (after 180 days symptom-free) is highly valued.

• Friendly Customer Service: Representatives are described as courteous, responsive, and empathetic, with gestures like sending condolence gifts.

• No Age Restrictions: Senior pet owners appreciate the lack of upper age limits and consistent coverage as pets age.

Pros:

• Comprehensive coverage including dental illnesses, behavioral issues, and hereditary conditions

• No upper age limits, ideal for senior pets

• Short 14-day waiting period for all conditions, including orthopedic issues

• 90% reimbursement rate option for all pets

• 10% multi-pet discount and annual payment savings

• Fast digital claims processing with PumpkinNow for instant payments on eligible claims

• Covers curable pre-existing conditions after 180 days symptom-free (except knee/ligament issues)

Cons:

• Higher-than-average premiums, especially for purebred or senior pets

• No 24/7 vet helpline, unlike some competitors

• No accident-only plan for budget-conscious owners

• Preventive Essentials add-on offers limited coverage and may not suit all needs

• Claims denials due to pre-existing conditions can be contentious

• Not BBB accredited, with a C+ rating and some unresolved complaints

Pumpkin Pet Insurance is a strong contender for pet owners seeking comprehensive coverage without age or breed restrictions. Its 90% reimbursement rate, short 14-day waiting period, and inclusion of dental, behavioral, and hereditary conditions make it particularly appealing for senior pets or those with complex health needs. The PumpkinNow service, offering instant claim payments, and a user-friendly digital claims process enhance its appeal. However, higher premiums and the lack of a 24/7 vet helpline may deter budget-conscious owners. The Preventive Essentials add-on, while innovative, offers limited value for some, and claims denials over pre-existing conditions require careful policy review. Pumpkin is best for multi-pet households or those prioritizing robust coverage over cost, but owners seeking minimal plans may look elsewhere. For accurate pricing, contact Pumpkin directly at 1-866-273-6369 or visit www.pumpkin.care.

Phone: 1-866-ARF-MEOW (1-866-273-6369), Monday–Friday, 8:00 AM–8:00 PM EST

Email: Available via www.pumpkin.care contact page, response within 1 day

Online Portal: Claims submission and policy management

SMS Support: Opt-in text messaging for updates and support

Mailing Address: Pumpkin Insurance Services, Inc., New York, NY (specific address available via customer service)

Future Chat Feature: Planned for website integration