If I could give them a zero I would. I have the policy for just two months. I am absolutely furious. My dog had a medical emergency the day before Christmas, and I submitted my claims along with her vet records, expecting a timely response. Instead, I waited. And waited. I called three times, only to be told each time that my claim was "processing." Then, Pumpkin Insurance canceled my policy. I refuse to continue paying for additional months of coverage when their claims process has been so blatantly negligent. After further investigation, I found that they did send an email regarding the claim—but no one ever made an attempt to call me, and their emails were filtered into my Spam folder. And yet, despite this, they denied my claims, falsely stating that they never received my dog's vet records. That is a lie—they most certainly did. To make matters worse, they had the audacity to send an email with the subject line: "Your Pumpkin claim was recently completed. How did we do?" Are they serious? I will be pursuing legal action and reimbursement.

I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money. Update after response: An abnormal liver enzyme during recovery after a surgery is not a precondition of anything except normal metabolism of healing. Especially when there is many many years that it is normal again before a true illness occurs. My rating stands and I would give lower if I could.

These are fake/paid for reviews. This company will scam you. There's literally thousands of real world examples on legitimate review sites of people getting screwed by these thieves. I received the email for the class action today.

There is a waiting period that applies, so do not think you can bet this insurance and use it in less than a couple of weeks. Did not really look for fine print, so it may be in there somewhere, but it was not something that jumped out at me.

I've had it awhile and never even used it and my premium went up from $134 to over $160 a month!

What is Wellness covered is still sketchy to me.

Worst insurance company. Got them for my 4 month old puppy and have denied every insurance claim linking it to a skin allergy prior to getting insurance. Very disappointed. I should have stuck with a little more expensive and reliable company. I have Nationwide for my other dog who is 10 years old and have no issues.

They considered everything preexisting despite a detailed letter and explanation from our vet. Unbelievable waste of money, they pretend to care about you and your pet but they will scam you.

I had a conversation through email regarding my claims. They explained why i was not getting paid with one of the items I sent, however, I asked them what about the rest of the claims which were not pre existing condition? I haven’t gotten any answer.

Have not been remembered!!!!