Both ASPCA and Pumpkin provide comprehensive and customizable pet insurance options. Pumpkin stands out with higher potential annual payout limits and inclusion of vet exam fee coverage, but it may come at a higher cost. ASPCA offers more reimbursement options and has generally positive customer service feedback. The best choice depends on individual needs and priorities, such as budget, desired coverage level, and preferred customer service experience.
| Attribute | ASPCA Pet Health Insurance | Pumpkin Pet Insurance |
|---|---|---|
| Accident and Illness Coverage | Complete Coverage plan covers a range of accidents and illnesses, including cancer treatments, dental disease, orthopedic conditions, and alternative therapies. | Extensive coverage for dogs and cats, including dental illnesses, behavioral problems, hereditary conditions, and parasite infections. Covers veterinary exam fees for accidents and illnesses, including consultations, diagnostics, and treatments. |
| Wellness Plan Options | Optional wellness plans (Basic and Prime) can be added to Complete Coverage or Accident-Only plans, covering dental cleaning, wellness exams, certain vaccines, and other preventative measures. | Optional wellness coverage add-ons (Preventive Essentials) for dogs and cats. These plans offer refunds for annual wellness exams, essential vaccines, and parasite screening tests. There are Essential and Premium options with varying coverage levels. |
| Waiting Periods for Coverage | 14-day waiting period for accident and illness coverage, including knee and ligament conditions. Wellness coverage starts immediately. | 14-day waiting period for accidents, illnesses, and knee/ligament conditions. In Maine, the waiting period is 0 days. In California, the waiting period for accidents is only 1 day. |
| Maximum Annual Payout | Annual coverage limits range from $2,500 to $10,000. Unlimited annual coverage may be available by contacting ASPCA directly. | For dogs: $5,000, $10,000, $20,000, or unlimited. For cats: $5,000, $7,000, $15,000, or unlimited. |
| Deductible Options | Annual deductible options of $100, $250, $500, or $1,000. | Annual deductibles of $100, $250, $500, or $1,000. |
| Reimbursement Percentage Options | Reimbursement options of 70%, 80%, 90%, or even 100% in some cases. | 80% or 90%. |
| Coverage for Hereditary Conditions | Covers hereditary conditions like hip dysplasia. | Covered as part of accident and illness coverage without additional cost, as long as the condition is not pre-existing and has not occurred during the waiting period. |
| Coverage for Congenital Conditions | Congenital conditions may be covered by the Complete Coverage plan. | Covered under the same terms as hereditary conditions. |
| Coverage for Chronic Conditions | Chronic illnesses requiring long-term management, such as arthritis, hypothyroidism, and diabetes, may be covered. | Provided the condition is not pre-existing and has not occurred during the waiting period. |
| Coverage for Behavioral Issues | Covers diagnosis and treatment for behavioral issues, including destructive chewing, excessive licking, and anxiety. This includes behavioral therapy and training. | Included in accident and illness plans, covering consultations, diagnostics, treatment, and prescription medications. |
| Customer Service Availability | Contact via phone at 1-888-230-4749 or through their website. Mobile app available for claims and policy management. | Via phone at 1-866-ARF-MEOW (1-866-273-6369) from Monday to Friday, 8 a.m. to 8 p.m. ET. Also available by email at help@pumpkin.care or via online chat. |
| Policy Customization Options | Customizable policy with different deductibles, reimbursement rates, and annual coverage limits. | Allows customization of annual coverage limits, deductible, and reimbursement rate. |
| Price | Monthly cost can start as low as $16, but the exact price depends on factors like your pet's breed, age, and location, as well as the coverage options you choose. | Not available |
| Ratings | Generally positive feedback for customer service. | Not available |