Complete waste of money. Dog was torn open and they refused our claim because "it was not life threatening".

If you think about getting a company to cover your pets for emergencies... DO NOT I REPEAT DO NOT USE PAWP! Maverick had an emergency surgery almost over a month ago. It cost a hefty penny and thank god for Kenzie and her family helping out since this crappy “emergency fund” company is worth nothing. I been paying monthly since I lost Lapua for this and they have the nerve to tell me that in the spur of moment emergency my dogs emergency surgery wasn’t an emergency for them to cover me or at least give me something all because of a video call I could not make due to service at the time but immediately chatted with a specialist while at the vets office. They are telling me because he threw up a couple times 3 hours before that the symptoms happened throughout the day that my dog almost dying and having EMERGENCY SURGERY isn’t an emergency. So I’m suppose to call just cause my dog throws up once or twice because it seems he had a upset tummy so I did what I could to settle that? A dog throwing up isn’t an emergency. My dog barely able to move without puking became the emergency and at that time my mind was set on saving him not a dumb ass video call that would result in the same result as me bringing him to the emergency vet. Whether or not I called or could call, he would have died without ty at surgery. It didn’t matter what your “webcam professionals said” your opinion is more important than a vet in person? An absolute scam of a company. The reps were rude and told me “it’s not my fault you can’t follow rules” so you’re telling me .... this hurricane Ian that happened there’s no service anywhere if my dog had an emergency and I had to take him in and can’t video ... I’m not covered ? Even though I pay you monthly to cover my dog in case of an emergency... pathetic and disgusting of a company! Highly do not recommend!

I went to Pawp because they advertised me being able to get Nexgard for my dog. I filled out their little questionnaire and instead of Nexgard it wants to get K9 Advantix which is gross af and makes it disgusting to touch my dog.

Stray far away from this company. You will lose more money with them, than you think. I signed up thinking it would help with covering my pets visits. They find ways not to reimburse you for what they originally say they can. The only way to check the status of your claims is by email(which takes days for them to respond) or by phone(which is very frustrating when you speak to a new person every time, and have to re explain your situation to a new rep every single time). They are very disorganized… and you will never get anywhere with them when you have complaints and/or concerns. I am not in the hole due to this insurance company due to false or lack of prior information. They constantly tell you sorry and that’s all you get. Not to mention, they require 18 months of medical records in order to cover claims. It is a total waist of money. If you ever speak to a “supervisor” named Sarah, be warned that she does not care about your concerns, as she is trained to stray you away from canceling, as well as giving you a constant response of “I’m sorry that happened to you, I wish there was something I could do.”

SCAM!!!!

Not impressed with the insurance company not pre-approving a surgery. How do I know if you will tell me it was preexisting or not.

It is great that there are so many good reviews about Pumpkin. But I had to cancel my cats membership because of not being reimbursed for a $625 bill and $65 vet bill since June of this year !

I have been reading some of these positive reviews, sounds like people who work there are writing reviews to bump up the company stars on here. Buyer beware!!

Shady business practices.....you are NOT able to see your claims online, you are NOT able to edit or make changes to your payment methods for you monthly automated payments and when you call customer service they have limited access to data that would help navigate customer inquiries. On 2 separate claims, I was given wrong information over the phone. One of those claims, 2 separate represents provided me wrong information stating I was getting reimbursed and a check was in the mail which none was true. I had to call my bank to not allow this company to continue to charge my account each month. I don't care what their contract says, but the minute you not allow me to access my own personal data for my credit card information online, throws red flags and not be able to see my claims. I have been told for months that this is a future enhancement. It has been 9 months. Read the fine print and don't expect to get consistent and accurate information when everything is done in a silo behind closed doors when reviewing your claims.

I find as my dog is getting older they have consistently increased my rates 30% every year. They also hike rates more when the portfolio changes hands. I think they have been bought and sold at least 3 times since I have been a client.