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Pumpkin vs. ASPCA Pet Insurance Comparison 2023: Which is Best?

Rachel Giordano

By Rachel Giordano

pumpkin vs aspca

In This Review: Pumpkin Overview | ASPCA Overview | Plans & Pricing | Deductibles & Claims | Verdict

Pet insurance can save you money if your pet gets sick or hurt. Luckily, there are many different pet insurance plans that offer coverage, but how do you choose the right plan for you? In this article, we will review Pumpkin pet insurance and ASPCA pet insurance so that you can see the differences between these two companies.

Both companies offer multiple pet discounts, and you can choose your deductibles. They both offer different types of plans, and we’ll explain each one. We also cover reimbursements, rates, and perks each company offers. Comparing head to head is an excellent way to decide which company will be the most beneficial for you and your pet and if you want to narrow it down, read on to learn more.

Best Dental Coverage
Our rating: 4.8 / 5
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A Quick Comparison

Company Name: Pumpkin ASPCA
Pets Covered: Dogs, cats Dogs, cats, and horses
Types of Plans: Accident and illness, preventative care, hereditary conditions Complete coverage, accident-only, preventative care
Deductibles: $100, $250, or $500 $100, $250, or $500
Reimbursement: 90% reimbursement rate Choose from 70%, 80% or 90% rates
Additional Perks: Pays exam fees, 14-day waiting period, 10% off for multiple pets, covers dental issues, no age limits 10% off for multiple pets, pays exam fees, 14-day waiting period, 30-day money-back guarantee

Brief Overview of Pumpkin

pumpkin pet insurance logo

  • Wide range of coverage plus dental and wellness
  • 10% multiple pet discount with each added pet
  • Can choose deductible and reimbursement rates
  • No age limit
  • 14-day waiting period and 30-day money-back guarantee
  • Does not cover pre-existing conditions
  • Does not cover spay/neutering
  • Does not cover dental cleanings
  • No accident-only coverage
  • Expensive

Pumpkin Pet Insurance offers several different plans, which we’ll get into each sector in this article. The company operates on a reimbursement system, meaning you have to pay all charges upfront for services. After you’ve paid the charges, you submit the claim to receive 90% cash back from the charged services. As long as the services are covered under your plan, you’ll receive their 90% reimbursement rate.

They do not have a mobile app; however, their website is 100% optimized for access through a smartphone, desktop, or tablet for easy submission of claims. You can also see any licensed veterinarian of your choosing in the United States and Canada, and that includes emergency vets, hospitals, and specialists. Pumpkin was founded in 2020 and is based in New York City.

Brief Overview ASPCA

ASPCA Pet Health Insurance

  • Can choose deductible and reimbursements rates
  • 10% discount for each additional pet
  • Offers coverage for horses
  • No age limit for coverage
  • 30-day money-back guarantee
  • Does not cover pre-existing conditions
  • Does not cover spay/neutering
  • Does not cover dental cleanings

ASPCA Pet Insurance offers 10% off for multiple pets, pays veterinarian exam fees, and you can take your pet to any licensed veterinarian in the United States and Canada. Their system works much like Pumpkin’s, where you pay for all services upfront and then send in the claim. As long as the services are covered under the plan you choose, you will get either 80% or 90% reimbursements.

The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization that is dedicated to helping animals in need and was the first humane society developed in North America. It is also the largest. They have offered pet insurance since 1997, and their convenient app makes submitting claims easy.

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Pumpkin vs. ASPCA: Plans Available

Both of these companies offer different plans with different types of coverage. When searching for pet insurance, it’s important to understand the plans and what they cover so that you’re not left with any surprises.

Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Pumpkin $57.69 $26.92 Click to Get Quote
ASPCA $34.60 $18.94 Click to Get Quote


Pumpkin’s main policy is their accident and illness policy. This policy covers a wide range of issues: hip dysplasia, cancer, diagnostic testing, ear, eye, and skin infections, prescription medications, food, microchipping, digestive illnesses, orthopedic injuries, emergencies and hospitalizations, stem cell therapy, and surgeries.

Pumpkin Pet Insurance covers certain dental issues, which is a nice addition because most pet insurance companies omit this from their policies. Pumpkin does not pay for annual dental cleanings, but they do cover periodontal issues, such as tooth extractions, exams, X-rays, medication for treatment, and dental surgeries.

They also offer a Preventative Essential package that you can add to your policy. This covers annual exams, tests, vaccines, flea and tick prevention, and various worm prevention.


ASPCA’s complete overage policy covers accidents, illnesses, hereditary conditions, and behavioral issues. Some examples are hip dysplasia, cancer, diabetes, prescription medications and food, microchipping, digestive issues, and alternative therapy (chiropractic, acupuncture, etc.).

Preventative Essentials is their wellness and preventative coverage that you can add on for an extra $9.95 per month that includes a 100% refund for exam fees, vaccines, tests, heartworm preventative, and flea and tick prevention. There is also no deductible or co-insurance with this add-on.

They also offer an accident-only policy that covers exam fees and diagnostic tests for accidents.

Not only does ASPCA cover dogs and cats, but they also cover horses. They have two plans: colic and accidents; and colic, accidents, and illnesses. You can also add a preventative plan for an extra monthly fee that includes wellness exams, dental floating, and vaccines.

Find The Best Insurance Companies in 2023

Pumpkin vs. ASPCA: Reimbursements and Deductibles

You have the option to choose your deductibles and reimbursement rates with both companies. Let’s take a look at the specifics.


For deductibles, you can choose $100, $250, or $500. These amounts are what you have to pay before the 90% reimbursement rate kicks in. If you want a lower monthly premium, you should opt for a higher deductible. For annual limits, you can choose $7K, $15K, or unlimited for cats, and $10K, $20K, or unlimited for dogs. The higher the annual limit you select, the higher the monthly premium.

% of Medical Expenses
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
Maximum Coverage Options
  • $10,000 (Dogs)
  • $20,000 (Dogs)
  • $7,000 (Cats)
  • $15,000 (Cats)
  • Unlimited (Dogs & Cats)


ASPCA works much in the same way as Pumpkin with their deductibles and reimbursements. However, with ASPCA, you can select either an 70%, 80% reimbursement rate or 90%. You can also choose your annual deductible of $100, $250, or $500, with an annual limit ranging from $3,000 to $10,000. Again, the higher the annual limit, the higher your monthly premium.

% of Medical Expenses
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
Maximum Coverage Options
  • $3,000
  • $4,000
  • $5,000
  • $7,000
  • $10,000

Pumpkin vs. ASPCA: Additional Perks

When searching for pet insurance, it’s wise to explore any additional perks. Both of these companies have their own perks, which can make or break your decision. Let’s take a look below.


Pumpkin has no age limit for coverage, and coverage does not decrease due to age. This is a nice perk because some companies have an age limit, leaving you to cover all vet bills for your senior pet. They also pay for exam fees that are usually omitted with other companies. Pumpkin also offers a 10% discount for each additional pet you add to your policy. Another perk is their 14-day waiting period, which is the average for pet insurance. This means coverage starts on the 15th day of signing up. They also offer a 30-day money-back guarantee.


ASPCA also has a 14-day waiting period, and they offer a 10% discount for each additional pet you add. ASPCA pays for exam fees, and there is no age limit for coverage. They, too, offer a 30-day money-back guarantee if not completely satisfied, as long as no claims are covered during that time.

Neither plan covers pre-existing conditions; however, both companies cover certain situations. If a condition is curable, such as a paw fracture, and it has been cured and free of treatments and symptoms for 180 days, the policy will cover the injury if it occurs again in the future; however, exclusions would be knee and hind leg ligaments conditions or injuries.

Company Verdict: Which One Has the Edge?

Customer Service📞

  • Edge: ASPCA

ASPCA makes submitting claims online easy and convenient with its mobile app, and it’s free to use. The app allows you to track your claims without having to call customer service, but there’s a phone number in case you need to call. However, the phone service is only available during business hours, Monday through Friday. They also have an email service.

Price of Plans💲

  • Edge: ASPCA

ASPCA is much more affordable than Pumpkin, and they offer an accident-only plan that can save you money. Pumpkin may have a wide range of what they cover, but it’s costly. In addition, ASPCA has more options for annual limitations that range from $5,000 to unlimited, which can help tailor your monthly payments to a more suitable figure to fit your budget.

Areas of Coverage🌐

  • Edge: ASPCA

This was a difficult decision on our part because they both cover all of the United States and Canada, and you can choose any licensed veterinarian. We gave ASPCA the edge here simply due to the more options for choosing an annual limit, which alters your monthly premium.


  • Edge: ASPCA

While both companies offer excellent perks, we gave ASPCA the edge due to their accident-only plan. The accident-only plan is super affordable, and it gives people a chance to have some sort of coverage for their pets. You have the choice of picking the deductible and reimbursement rate with this plan, too, which is a nice perk that helps accommodate your budget.

Find The Best Insurance Companies in 2023


In closing, we feel that ASPCA and Pumpkin Pet Insurance are both great picks when looking for pet insurance. ASPCA is appealing to those on a budget who want coverage for their beloved pet, and ASPCA’s accident-only plan is affordable. Pumpkin has a range of plans and has no caps on age limits. Regarding the plans, deductibles, and reimbursements, both companies offer the same.

  • Hepper acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

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