ASPCA vs. Pumpkin Pet Insurance

MoneyGeek's analysis found that ASPCA provides better pet insurance than Pumpkin for dogs, while Pumpkin is more ideal than ASPCA for cats. However, your best choice depends on what matters most to you. 

Pumpkin wins against ASPCA in customer experience for both pets, ranking third nationally compared to ASPCA's sixth place. ASPCA offers more comprehensive coverage than Pumpkin, placing eighth nationally in this category, while Pumpkin sits at 11th place.

Learn more about the best pet insurance options for your pet across different situations:

Pumpkin is the best pet insurance company for cats, winning in all 50 states against ASPCA. For dogs, ASPCA leads in 40 states while Pumpkin wins in Alaska, Arkansas, Delaware, Kentucky, Maine, Maryland, Montana, North Dakota, South Carolina and Vermont.

How much pet insurance costs varies by your pet's age, with both ASPCA and Pumpkin offering competitive rates across different life stages. Pumpkin leads for puppies, middle-aged cats and senior cats while ASPCA wins for kittens and young cats.

• Kittens: ASPCA costs $14 monthly ($168 annually), saving you 15% compared to Pumpkin's $17 rate.
• Young cats: ASPCA charges $20 per month ($235 annually) and beats Pumpkin's $21 by 6%.
• Puppies: Pumpkin's $24 monthly rate ($294 annually) edges out ASPCA's $25, though savings are minimal at less than 1%.
• Young dogs: At $31.25 monthly ($374 yearly), Pumpkin costs slightly less than ASPCA's $31.44.
• Middle-aged cats: Pumpkin offers $30 per month ($355 annually), saving 3% over ASPCA's $31 pricing.
• Middle-aged dogs: Both providers charge nearly identical rates, with Pumpkin at $47.64 and ASPCA at $47.82.
• Senior cats: Pumpkin's $64 monthly rate ($764 annually) provides 14% savings compared to ASPCA's $74.
• Senior dogs: Rates climb to $116 monthly ($1,389 annually) with both Pumpkin and ASPCA charging essentially the same amount.

Finding the cheapest pet insurance depends on your location and pet's age. ASPCA leads in affordability for kitten and young cat coverage across most states, while Pumpkin wins for adult and senior pets in the majority of states.

• Kittens: ASPCA offers cheaper rates in all 50 states than Pumpkin.
• Young Cats: ASPCA leads in 49 states, while Pumpkin is the more affordable option in Maryland.
• Puppies: Pumpkin dominates with 49 state wins compared to ASPCA's 1 (California).
• Young Dogs: ASPCA only wins in California, while Pumpkin leads in affordability for the remaining 49 states.
• Middle-Aged Cats: Pumpkin provides lower rates than ASPCA in 50 states.
• Middle-Aged Dogs: Pumpkin is more affordable than ASPCA across 49 states, while ASPCA offers cheaper rates in California.
• Senior Cats: Pumpkin beats ASPCA in affordability for senior cats in all 50 states.
• Senior Dogs: ASPCA wins in California, while Pumpkin dominates the other 49 states.

ASPCA offers more pet insurance discounts than Pumpkin, including savings through employer programs and association memberships. Both providers give 10% off for multiple pets, making them equally competitive for this common discount.

Pumpkin delivers superior customer experience for both cats and dogs, outperforming ASPCA across multiple review platforms. Pumpkin earns a higher Trustpilot rating and positive sentiment on Reddit than ASPCA, though both providers maintain strong A+ ratings from the Better Business Bureau.

ASPCA offers better pet insurance coverage for both dogs and cats than ASPCA, ranking eighth nationally while Pumpkin places 11th. Both providers impose similar waiting periods and covers curable pre-existing conditions after 180 symptom-free days, though ASPCA offers accident-only plans and has a broader range of annual limits and reimbursement rates than Pumpkin.

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 optional add-ons that cover routine preventive care, but their structures differ. Pumpkin offers three tiers (Essential, Premium and Elite), while ASPCA only has two levels (Basic and Prime).

The better pet insurance option for you depends on your specific priorities. Pumpkin offers better pet insurance with lower rates for cats than ASPCA, while ASPCA is more preferable for dog insurance. If you value stellar customer experience, Pumpkin offers quality service. For comprehensive coverage, ASPCA is the ideal option for both cats and dogs.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare ASPCA and Pumpkin pet insurance through these common questions: