Pumpkin vs. ASPCA Pet Insurance Comparison 2025: Which is Best?

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Pumpkin Overview
ASPCA Overview
Plans & Pricing
Deductibles & Claims
Verdict
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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.

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A Quick Comparison

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Brief Overview of Pumpkin

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• 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

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• Does not cover pre-existing conditions
• Does not cover spay/neutering
• Does not cover dental cleanings
• No accident-only coverage
• Expensive

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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

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• 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

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• Does not cover pre-existing conditions
• Does not cover spay/neutering
• Does not cover dental cleanings

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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.

Other Top-Rated Pet Insurance Companies

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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.

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Pumpkin

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

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.

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.

Pumpkin

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.

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• 90%

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• $100
• $250
• $500

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• $10,000 (Dogs)
• $20,000 (Dogs)
• $7,000 (Cats)
• $15,000 (Cats)
• Unlimited (Dogs & Cats)

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ASPCA

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.

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• 70%
• 80%
• 90%

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• $100
• $250
• $500

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• $3,000
• $4,000
• $5,000
• $7,000
• $10,000

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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

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 15^th day of signing up. They also offer a 30-day money-back guarantee.

ASPCA

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📞

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• Edge: ASPCA

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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💲

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• Edge: ASPCA

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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🌐

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• Edge: ASPCA

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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.

Perks📱

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• Edge: ASPCA

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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.

Conclusion

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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.

• See Also: Pumpkin vs. Trupanion Pet Insurance