ASPCA vs. Pumpkin Pet Insurance

ASPCA provides better pet insurance coverage than Pumpkin for both dogs and cats, ranking eighth nationally while Pumpkin ranks 11th. ASPCA offers more flexible deductible options and shorter accident waiting periods, though both providers have comparable annual limits and reimbursement rates, with ASPCA allowing coverage changes within 30 days of enrollment.

Pumpkin is the best pet insurance company in 16 states for cats and 5 states for dogs. ASPCA leads for dog coverage in only Nevada, Oklahoma and South Dakota.

Pumpkin offers cheaper pet insurance rates than ASPCA across most age groups for cats and dogs. Middle-aged dogs cost $48 per month with Pumpkin compared with ASPCA's $48; for cats, it's $30 versus $31. ASPCA only beats Pumpkin's rates for kittens and young cats.

See how much pet insurance costs across different age categories:

Pricing varies for the cheapest pet insurance between these providers. Pumpkin offers lower rates for middle-aged cats nationwide and middle-aged dogs in 49 states, while ASPCA leads for kittens and young cats in most states.

ASPCA and Pumpkin both offer pet insurance discounts for insuring multiple pets, but ASPCA goes further by offering additional savings through employer programs and association partnerships. The table below compares each provider’s available discounts.

Pumpkin delivers superior customer experience compared to ASPCA, ranking third nationally for both dogs and cats while ASPCA ranks ninth. Both providers maintain strong A+ BBB ratings, but Pumpkin significantly outperforms on Trustpilot with a 4.8 out of 5.0 score versus ASPCA's 3.7 rating. This gap reflects Pumpkin's consistently better customer satisfaction across multiple review platforms.

Pumpkin offers better pet insurance coverage for dogs and cats than ASPCA, ranking sixth nationally while ASPCA ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Pumpkin has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Pumpkin and ASPCA both offer wellness plan choices, but their structures differ. Pumpkin includes more preventive services in its optional add-on and covers several items in its base plan that other providers treat as extras. Here’s how they compare:

ASPCA offers two wellness plan add-ons:

• Basic preventive care plan: Covers wellness exams, core vaccines, heartworm testing, dental cleaning, deworming and fecal tests with up to $250 in annual benefits.
• Prime preventive care plan: Includes all Basic plan benefits plus spay/neuter, additional vaccines, urinalysis, blood work and flea/heartworm prevention with higher reimbursement limits.

Pumpkin offers one preventive care add-on, but includes many typically optional coverages in its base plan:

• Preventive Essentials package: Reimburses for one wellness exam, core vaccines and a parasite screening annually. This add-on helps cover everyday care and early detection.
• Included in base coverage: Unlike some competitors, Pumpkin includes coverage for dental illnesses, behavioral conditions, hereditary issues and alternative therapies (like acupuncture and physical therapy) in its standard plan, eliminating the need for separate add-ons for these services.

Pumpkin edges out ASPCA overall, delivering better customer service and competitive pricing. Pumpkin charges $30 monthly for middle-aged cats and $48 for dogs, while earning a 4.8 out of 5.0 Trustpilot rating and A+ BBB rating. However, ASPCA offers more comprehensive coverage options for pet owners seeking extensive protection for their animals.

Compare ASPCA and Pumpkin pet insurance through these common questions:

Evaluating ASPCA versus Pumpkin pet insurance required collecting data under identical conditions and coverage parameters. Both providers were assessed using the same pet profiles and policy specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

MoneyGeek then scored each company using three weighted factors based on their importance to pet owners.

Affordability (50% of score): We obtained quotes across different pet ages and coverage options to assess typical monthly premiums, including available discounts that affect real costs.

Customer Experience (30% of score): We analyzed Trustpilot ratings and conducted sentiment analysis of customer feedback to measure satisfaction with claims processing and support services.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.