Pumpkin | Pet Insurance Review

If I could give zero stars, I would. In January of 2022, I got Pumpkin for my 2 dogs. Their vet had emailed saying they were finally opening spots back up after the Covid wave of appointments had shut down their availability. I made a check up appointment for a month away, and then got pumpkin as they claimed they'd cover cancer if it was 180 days symptom free and cleared by an oncologist as having not metastasized. There were no signs anything was wrong with either of them, but since one was 14 years old, I wanted to be safe. Boy, was I wrong. About 3 weeks later, 1 week before our appointment, and 1 week after the waiting period, my doggo collapsed outside while playing in the snow. Turns out she had bronchitis, but due to a previous scare with cancer, our vet immediately sent us back to the oncologist thinking it had metastasized to her lungs. It hadn't. We had gotten the clear from the oncologist in March of the previous year, saying her scans came back normal after her surgery and just to monitor and come back in every year. When I submitted the claim for her appointments stating the vet thought it could be cancer, they immediately said it was a pre-existing condition and it wasn't covered. Even though their site said that it would be, given these circumstances. I'd even called ahead and asked about that as "we cover pre-existing conditions" sounded too good to be true.a The very nice rep advised me to file an appeal and said that they'd get back to me within 90 days. 90 days later, they were still screwing me around and I was still paying for the insurance that never paid out as they said if the appeal came through in my favor, but I didn't have the insurance anymore, they wouldn't be obligated to pay for any of the treatments she'd been receiving. I even went as far as to have both my vet and oncologist sign statements stating that there was no reason to believe that it was pre-existing or had anything to do with her previous cancer and submitted it. Finally, I gave up and cancelled as I needed the funds to go through specialist after specialist trying to figure out what was wrong. (she'd had bronchitis that had turned into pulmonary hypertension and we finally found that out 3 months later after 3 specialists and having to schedule things a month in advance.) 2 weeks later my girl was gone and I'd paid $1200 on top of all of the specialist appointments for insurance that DID ABSOLUTELY NOTHING. Got the notice a week after she passed stating that they had denied my appeal because the at March 2021 appointment at the oncologist, they had written one line in her record that said they noticed a slight wheeze IN A PUG but nothing showed on the scan, so I was just to monitor and take her to her primary if it got worse. So their in-house vet, that must have absolutely no soul, concluded that she had had chronic bronchitis since March of 2021 that caused her to collapse in late January of 2022 and THAT made it a pre-existing condition. Think twice before you fall for their promise to cover pre-existing conditions and think they'll help you if your fur family has ever even snorted weird at the vet.

Excellent service

The rep who helped me sign up for the plan was very knowledgeable and answered all my questions.

no frills, best price compared to other companies, easy to navigate website, no flashy marketing gimmicks

First of all, getting 90% back is a real bonus. None of the other pet insurances I've looked at give you that much back for pet's vet visits. Everyone treats you . and your pet like family.