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Pumpkin vs. Trupanion Pet Insurance Comparison 2022: Pros, Cons & Verdict

Pumpkin-vs-Trupanion

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

With so many pet insurance companies available, it’s important to check all the information and read the fine print. Paying for pet insurance coverage is a big investment, so you want to be sure you’re getting the coverage you need when it counts.

Both Pumpkin and Trupanion offer pet insurance plans that cover accidents and illnesses, though there are some key coverage differences to be aware of when choosing the plan for your pets. In this comparison, we cover the different plan options, reimbursements, deductibles, add-ons, and perks of both Pumpkin and Trupanion. Find out which one comes out on top.

Best Dental Coverage
Our rating: 4.8 / 5
Best Customer Service
Our rating: 4.7 / 5
Company Name Pumpkin Trupanion
Pets Covered Dogs, cats Dogs, cats
Types of Plans
  • Accident and illness
  • Preventative care
  • Add-ons
  • Accident and illness
  • Recovery and complementary care
  • Pet owner assistance package
Deductibles $100, $250, $500 $0–$1,000
Reimbursement 90% 90%
Additional Perks
  • Multi-pet discount
  • Coverage in US and Canada
  • Eligible wellness with no annual limit
  • Coverage for breed-specific conditions
  • Property damage
  • Alternative therapies
  • Pays vets directly

Brief Overview of Pumpkin

Pumpkin Pet Insurance Logo

Pros
  • Flexible deductibles and annual limits
  • Optional wellness coverage
  • Exams covered
  • No special waiting periods
  • Multi-pet discount
  • Coverage for curable pre-existing conditions
Cons
  • 14-day waiting period
  • No accident-only plan
  • No 24/7 healthline

Pumpkin insurance has a wide selection of coverage options for medical expenses like exams, surgeries, and illnesses. You can upgrade with optional wellness coverage, and there’s no specific waiting period for some conditions. Pumpkin also offers discounts if you insure multiple pets. With preventative coverage, you can get help paying for wellness needs like vaccines, fecal exams, and heartworm tests.

Unlike other insurances, Pumpkin covers curable pre-existing conditions in certain cases. If your pet has been symptom-free of a curable condition and hasn’t had treatment in the past 180 days, the condition is treated as a new occurrence. This excludes knee and ligament problems, however.


Brief Overview of Trupanion

Trupanion Pet Insurance Logo

Pros
  • Option for direct vet pay
  • 24/7 pet healthline
  • No extended waiting period for special conditions
  • Unlimited coverage caps
  • Flexible deductible options
Cons
  • No coverage for vet exam fees
  • No routine care coverage available
  • Per-condition deductible

Trupanion offers a range of deductible options, unlimited coverage, and pays vets directly for claims in some cases. Hospitalizations, surgeries, prescription medications, hereditary conditions, congenital conditions, and accidents and illnesses are covered. Depending on your state, Trupanion offers reimbursement options of 50% to 90%.

There are other perks with Trupanion, including no extended waiting periods for special conditions and a 24/7 pet health line. With add-ons, you can get coverage for burial and cremation, advertising and rewards for lost pets, boarding fees if you’re hospitalized, liability for property damage caused by your pet, and alternative therapies like chiropractic and acupuncture.


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Pumpkin vs Trupanion: Plans Available

Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Pumpkin $57.69 $26.92 Click to Get Quote
Trupanion $59.30 $31.26 Click to Get Quote

Pumpkin

The Pet Health Insurance Plan includes coverage for vet bills related to accidents and illnesses, such as respiratory infections, skin conditions, cancer, broken bones, toxic ingestions, and bite wounds.

Examples of procedures covered include:
  • Medical supplies
  • Poison control consultation
  • Surgery
  • Hospitalization
  • Tooth extraction
  • Stem cell therapy
  • IV fluids
  • Prescription medications
  • MRIs
  • CT scans
  • X-rays

The Preventative Essentials Pack is an optional add-on that covers routine care, such as one vaccine, one wellness exam, and one fecal test for worms or parasites per year. For dogs, Pumpkin also covers one blood test for heartworm and tick disease per year.

Trupanion

The major medical plan for Trupanion covers illnesses and injuries, such as:
  • Broken tooth
  • Hereditary conditions
  • Congenital conditions
  • Illnesses
  • Surgeries
  • Lab and diagnostic testing
  • Prescription medications
  • Veterinary supplements
  • Herbal therapy
  • Lacerations
The Pet Owner Assistance Package pays for expenses outside of veterinary costs, such as:
  • Boarding fees if you’re hospitalization
  • Liability if your pet damages property
  • Advertising and rewards for lost pets
  • Burial or cremation costs
  • Vacation cancellation costs if you cancel a trip due to a pet’s illness or injury
The Recovery and Complementary Care Rider covers non-clinical care procedures like:
  • Acupuncture
  • Chiropractic
  • Physical therapy
  • Homeopathy
  • Rehabilitation
  • Naturopathy
  • Behavioral modification
  • Hydrotherapy

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Pumpkin vs Trupanion: Reimbursements and Deductibles

Pumpkin

Pumpkin’s policies all come with a 90% reimbursement rate, but that comes with a higher premium. You can choose from three annual deductibles of $100, $250, or $500 and annual limits of $10,000 or $20,000 for dogs and $7,000 and $15,000 for cats. Unlimited is also available for both dogs and cats.

% 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)

Trupanion

Trupanion has no annual limits on its policies. It also offers a per-condition deductible, which is unique among pet insurance companies. With this option, you pay your deductible amount every time your pet experiences a new condition, rather than annually. This can be beneficial if your pet develops one or more chronic conditions, since you only pay for each once, but it could cost more if you have multiple unrelated claims in the same year.

You can select a deductible between $0 and $1,000, though pet owners in Florida won’t have any deductible. Trupanion offers reimbursement options of 90% or 50% to 90%, depending on the state.


Pumpkin vs Trupanion: Additional Perks

Pumpkin

Pumpkin offers coverage in the US and Canada. For pet owners with multiple pets, the multi-pet discount offers 10% off the premium for each additional insured pet. Pumpkin also has eligible wellness coverage with no annual limit, which includes regular vet exams, vaccinations, and more.

Trupanion

Trupanion offers specific coverage for breed-specific conditions, such as cherry eye, hip dysplasia, thyroid disease, and cataracts. The extra coverage options include alternative therapies, such as acupuncture and hydrotherapy, and non-veterinary coverage like liability for property damage and advertising and rewards for a lost pet. Trupanion can pay vets directly, provided the vet has the software.

Pumpkin vs Trupanion: Summary of Pros and Cons

Pumpkin offers plenty of options with flexible deductibles and annual limits, multi-pet discounts, and coverage for curable pre-existing conditions, though it doesn’t offer an accident-only plan or a healthline. Trupanion also has flexible plans and deductibles, no extended waiting period for special conditions, and the option to pay your vet directly. Trupanion also has special coverage for non-veterinary expenses, though it doesn’t offer a plan for routine veterinary care and wellness.


Company Verdict: Which One Has the Edge?

Customer Service 📞

Edge: Trupanion

Trupanion launched in 2000 and has been stable overall. Its customer service representatives are available with the 24/7 healthline, which isn’t available for Pumpkin. In addition, Pumpkin is a newer company and its long-term reputation for customer service and brand stability remains to be seen. As of now, Trupanion has a consistent history of pricing and policy, while Pumpkin has complaints with pricing, processing times, and difficulty canceling policies.

Price of Plans💲

Edge: Tie

Pumpkin has slightly higher premiums than other insurance plans, though there is a multi-pet discount. But both Pumpkin and Trupanion have flexible plan options and different perks and drawbacks, so one may be more cost-effective than the other depending on your individual needs. Overall, both are higher-priced insurance options.

Areas of Coverage🌐

Edge: Pumpkin

One of the biggest differences between Pumpkin and Trupanion is that Pumpkin offers a variety of plan customizations, including different annual limits and deductibles. It also offers add-ons to customize your coverage according to your needs and budget. Trupanion has fewer customization options with unlimited payouts. The only customization is to select your deductible to reduce your premium price, but you do have options for coverage for non-veterinary expenses.

Perks📱

Edge: Pumpkin

Pumpkin offers a multi-pet discount, which is helpful for pet owners looking to insure multiple pets. It also covers eligible wellness visits with no limit, which are a significant portion of veterinary expenses. Both plans cover dental illnesses, but Pumpkin doesn’t require an annual dental exam for coverage to apply—unlike Trupanion. You can also choose your annual limits and deductibles to reduce your monthly premium, which isn’t as flexible with Trupanion.

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Conclusion

Overall, Pumpkin has the edge over Trupanion. Though the premiums are a little higher, Pumpkin offers customization options to get the coverage you need within your budget, and it covers routine veterinary care. If you have multiple pets, you can get an extra discount as well. Trupanion is the more stable company of the two, however, and has consistent satisfaction with customer service, pricing, and policies, as well as a 24/7 healthline.

  • Pet Keen 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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