Updated: March 16, 2026
Advertising & Editorial Disclosure
Pumpkin is more affordable for most cats and dogs than ASPCA, charging $48 monthly for middle-aged dogs and $30 monthly for middle-aged cats.
Pumpkin ranks third nationally in customer experience with a 4.9 out of 5 Trustpilot rating, outperforming ASPCA's sixth-place ranking and 3.6 rating.
ASPCA ranks eighth nationwide for coverage compared to Pumpkin's 11th place, offering accident-only plans and a broader range of annual limits and reimbursement rates than Pumpkin.
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 beats ASPCA on customer experience, ranking third nationally to ASPCA's sixth. Coverage breadth tells a different story: ASPCA places eighth nationally while Pumpkin lands at 11th.
| Cat | Affordability | Pumpkin | 1 | 7 |
| Dog | Affordability | ASPCA | 2 | 3 |
| Cat | Coverage | ASPCA | 8 | 11 |
| Dog | Coverage | ASPCA | 8 | 11 |
| Cat | Customer Experience | Pumpkin | 3 | 6 |
| Dog | Customer Experience | Pumpkin | 3 | 6 |
| Cat | Overall Score | Pumpkin | 3 | 9 |
| Dog | Overall Score | ASPCA | 5 | 7 |
How We Decided the Winning Pet Insurance Provider
All scores average results across two profiles: a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, both quoted at a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Review the best pet insurance choices based on cost, coverage and your pet’s unique needs:
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.
| Alabama | Cat | Pumpkin |
| Alabama | Dog | ASPCA |
| Alaska | Cat | Pumpkin |
| Alaska | Dog | Pumpkin |
| Arizona | Cat | Pumpkin |
| Arizona | Dog | ASPCA |
| Arkansas | Cat | Pumpkin |
| Arkansas | Dog | Pumpkin |
| California | Cat | Pumpkin |
| California | Dog | ASPCA |
| Colorado | Cat | Pumpkin |
| Colorado | Dog | ASPCA |
| Connecticut | Cat | Pumpkin |
| Connecticut | Dog | ASPCA |
| Delaware | Cat | Pumpkin |
| Delaware | Dog | Pumpkin |
| Florida | Cat | Pumpkin |
| Florida | Dog | ASPCA |
| Georgia | Cat | Pumpkin |
| Georgia | Dog | ASPCA |
| Hawaii | Cat | Pumpkin |
| Hawaii | Dog | ASPCA |
| Idaho | Cat | Pumpkin |
| Idaho | Dog | ASPCA |
| Illinois | Cat | Pumpkin |
| Illinois | Dog | ASPCA |
| Indiana | Cat | Pumpkin |
| Indiana | Dog | ASPCA |
| Iowa | Cat | Pumpkin |
| Iowa | Dog | ASPCA |
| Kansas | Cat | Pumpkin |
| Kansas | Dog | ASPCA |
| Kentucky | Cat | Pumpkin |
| Kentucky | Dog | Pumpkin |
| Louisiana | Cat | Pumpkin |
| Louisiana | Dog | ASPCA |
| Maine | Cat | Pumpkin |
| Maine | Dog | Pumpkin |
| Maryland | Cat | Pumpkin |
| Maryland | Dog | Pumpkin |
| Massachusetts | Cat | Pumpkin |
| Massachusetts | Dog | ASPCA |
| Michigan | Cat | Pumpkin |
| Michigan | Dog | ASPCA |
| Minnesota | Cat | Pumpkin |
| Minnesota | Dog | ASPCA |
| Mississippi | Cat | Pumpkin |
| Mississippi | Dog | ASPCA |
| Missouri | Cat | Pumpkin |
| Missouri | Dog | ASPCA |
| Montana | Cat | Pumpkin |
| Montana | Dog | Pumpkin |
| Nebraska | Cat | Pumpkin |
| Nebraska | Dog | ASPCA |
| Nevada | Cat | Pumpkin |
| Nevada | Dog | ASPCA |
| New Hampshire | Cat | Pumpkin |
| New Hampshire | Dog | ASPCA |
| New Jersey | Cat | Pumpkin |
| New Jersey | Dog | ASPCA |
| New Mexico | Cat | Pumpkin |
| New Mexico | Dog | ASPCA |
| New York | Cat | Pumpkin |
| New York | Dog | ASPCA |
| North Carolina | Cat | Pumpkin |
| North Carolina | Dog | ASPCA |
| North Dakota | Cat | Pumpkin |
| North Dakota | Dog | Pumpkin |
| Ohio | Cat | Pumpkin |
| Ohio | Dog | ASPCA |
| Oklahoma | Cat | Pumpkin |
| Oklahoma | Dog | ASPCA |
| Oregon | Cat | Pumpkin |
| Oregon | Dog | ASPCA |
| Pennsylvania | Cat | Pumpkin |
| Pennsylvania | Dog | ASPCA |
| Rhode Island | Cat | Pumpkin |
| Rhode Island | Dog | ASPCA |
| South Carolina | Cat | Pumpkin |
| South Carolina | Dog | Pumpkin |
| South Dakota | Cat | Pumpkin |
| South Dakota | Dog | ASPCA |
| Tennessee | Cat | Pumpkin |
| Tennessee | Dog | ASPCA |
| Texas | Cat | Pumpkin |
| Texas | Dog | ASPCA |
| Utah | Cat | Pumpkin |
| Utah | Dog | ASPCA |
| Vermont | Cat | Pumpkin |
| Vermont | Dog | Pumpkin |
| Virginia | Cat | Pumpkin |
| Virginia | Dog | ASPCA |
| Washington | Cat | Pumpkin |
| Washington | Dog | ASPCA |
| West Virginia | Cat | Pumpkin |
| West Virginia | Dog | ASPCA |
| Wisconsin | Cat | Pumpkin |
| Wisconsin | Dog | ASPCA |
| Wyoming | Cat | Pumpkin |
| Wyoming | Dog | ASPCA |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
How much pet insurance costs changes as your pet ages, and the cheaper option shifts depending on life stage. ASPCA wins on price for kittens and young cats; Pumpkin is cheaper for puppies, middle-aged cats and senior cats.
| Kittens | ASPCA | $14 | 15% |
| Young Cats | ASPCA | $20 | 6% |
| Puppies | Pumpkin | $24 | 0% |
| Middle Aged Cats | Pumpkin | $30 | 3% |
| Young Dogs | Pumpkin | $31 | 0% |
| Middle Aged Dogs | Pumpkin | $48 | 0% |
| Senior Cats | Pumpkin | $64 | 14% |
| Senior Dogs | Pumpkin | $116 | 0% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
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.
| Alabama | Pumpkin | $35 | 0% |
| Alaska | Pumpkin | $46 | 1% |
| Arizona | Pumpkin | $58 | 0% |
| Arkansas | Pumpkin | $32 | 1% |
| California | ASPCA | $60 | 0% |
| Colorado | Pumpkin | $60 | 0% |
| Connecticut | Pumpkin | $55 | 0% |
| Delaware | Pumpkin | $48 | 0% |
| Florida | Pumpkin | $54 | 0% |
| Georgia | Pumpkin | $43 | 0% |
| Hawaii | Pumpkin | $48 | 1% |
| Idaho | Pumpkin | $48 | 0% |
| Illinois | Pumpkin | $59 | 0% |
| Indiana | Pumpkin | $43 | 0% |
| Iowa | Pumpkin | $40 | 0% |
| Kansas | Pumpkin | $43 | 0% |
| Kentucky | Pumpkin | $38 | 1% |
| Louisiana | Pumpkin | $38 | 1% |
| Maine | Pumpkin | $58 | 1% |
| Maryland | Pumpkin | $47 | 1% |
| Massachusetts | Pumpkin | $61 | 0% |
| Michigan | Pumpkin | $48 | 0% |
| Minnesota | Pumpkin | $50 | 0% |
| Mississippi | Pumpkin | $41 | 0% |
| Missouri | Pumpkin | $38 | 0% |
| Montana | Pumpkin | $40 | 1% |
| Nebraska | Pumpkin | $43 | 0% |
| Nevada | Pumpkin | $49 | 0% |
| New Hampshire | Pumpkin | $55 | 0% |
| New Jersey | Pumpkin | $54 | 0% |
| New Mexico | Pumpkin | $42 | 0% |
| New York | Pumpkin | $52 | 0% |
| North Carolina | Pumpkin | $43 | 0% |
| North Dakota | Pumpkin | $37 | 0% |
| Ohio | Pumpkin | $44 | 0% |
| Oklahoma | Pumpkin | $40 | 0% |
| Oregon | Pumpkin | $59 | 0% |
| Pennsylvania | Pumpkin | $50 | 0% |
| Rhode Island | Pumpkin | $42 | 0% |
| South Carolina | Pumpkin | $45 | 0% |
| South Dakota | Pumpkin | $42 | 0% |
| Tennessee | Pumpkin | $44 | 0% |
| Texas | Pumpkin | $50 | 0% |
| Utah | Pumpkin | $46 | 0% |
| Vermont | Pumpkin | $44 | 1% |
| Virginia | Pumpkin | $51 | 0% |
| Washington | Pumpkin | $55 | 0% |
| West Virginia | Pumpkin | $41 | 0% |
| Wisconsin | Pumpkin | $51 | 0% |
| Wyoming | Pumpkin | $44 | 0% |
How We Decided the Winning Pet Insurance Provider by State
Rates reflect averaged pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll.
ASPCA offers more pet insurance discounts than Pumpkin, covering employer programs and association memberships alongside the standard offerings. Both providers give 10% off for multiple pets.
Multiple pets | Get 10% off for each additional pet you enroll. | Enroll more than one pet and get 10% off each additional plan. |
Veterinary staff | Veterinary practice employees get up to 10% off. | Get a reduced rate if you work at a veterinary clinic. |
Employer group plan | Join a participating employer's benefits program for 10% off. | None. |
Association | Members of certain associations, including REALTOR benefits programs, get 10% off. | None. |
Pumpkin outperforms ASPCA on customer experience for both cats and dogs across multiple review platforms. It earns a higher Trustpilot rating and better Reddit sentiment than ASPCA. Both providers hold A+ ratings from the Better Business Bureau.
Pumpkin outperforms ASPCA on Trustpilot with a 4.9 out of 5 rating compared to ASPCA's 3.6 out of 5. Customers praise Pumpkin for quick claim processing and responsive customer service, while ASPCA receives mixed feedback with users appreciating fast reimbursements but complaining about claim denials and slow service.
Our analysis found that Reddit users favor Pumpkin with 79% positive sentiment from 14 comments, compared to ASPCA's 36% positive sentiment from 11 comments. Pumpkin policyholders praise fast claim approvals and straightforward reimbursement processes, while ASPCA receives criticism on claim denials and coverage limitations.
ASPCA offers better pet insurance coverage for both dogs and cats than Pumpkin, ranking eighth nationally while Pumpkin places 11th. Both providers impose similar waiting periods and cover curable pre-existing conditions after 180 symptom-free days. ASPCA also offers accident-only plans and a broader range of annual limits and reimbursement rates than Pumpkin.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500 | $100, $250, $500, $1,000 | |
$2,500, $5,000, $7,000, $10,000, Unlimited | $5,000, $10,000, $20,000, Unlimited | |
70%, 80%, 90% | 80% or 90% | |
14 days for accidents, illnesses and knee/ligament conditions | 14 days for accidents and illnesses | |
Age restrictions | No upper age limit | No upper age limit |
Pre-existing conditions | Curable pre-existing conditions covered after 180 symptom-free days | Curable pre-existing conditions eligible for coverage after 180 symptom-free days |
Accident-only coverage | Covers exam fees, diagnostics and treatment for new accidents and injuries | Doesn't offer accident-only policies |
Coverage varies by state and policy terms. Always review your 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 depends on your 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:
ASPCA works better for coverage flexibility, with more annual limit options and reimbursement rate selections. Pumpkin wins on customer experience, earning a 4.9 Trustpilot rating versus ASPCA's 3.6.
ASPCA and Pumpkin both have no upper age limits and 14-day waiting periods for accidents and illnesses. Both cover diagnostics and chronic conditions, but Pumpkin includes parasite treatment while ASPCA only covers prevention through an optional wellness add-on.
Pumpkin offers cheaper rates for most pet categories, with senior cats costing $64 monthly compared to ASPCA's $74 and middle-aged cats at $30 versus ASPCA's $31. ASPCA wins pricing for kittens ($14 vs. $16) and young cats ($20 vs. $21).
ASPCA offers better reimbursement flexibility with three options (70%, 80%, 90%), compared to Pumpkin's two options (80% or 90%).
ASPCA offers cheaper rates for kittens at $14 monthly, compared to Pumpkin's $17, saving $24 annually. Pumpkin charges slightly less for puppies at $24 monthly versus ASPCA's $25.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
