Nationwide vs. Pumpkin Pet Insurance

Nationwide delivers better pet insurance coverage than Pumpkin for both dogs and cats, ranking ninth nationally while Pumpkin ranks eleventh. Research shows Nationwide offers more flexible deductible options ranging from $100 to $1,000, higher annual coverage limits up to unlimited, and allows policy adjustments within 30 days of enrollment, while both providers offer similar 70% to 90% reimbursement rates and comparable accident waiting periods.

Pumpkin is the best pet insurance company in 16 states for cats and 6 states for dogs. For dog coverage, Pumpkin leads in Alaska, Delaware, Maryland, Montana, North Dakota and South Dakota.

Pumpkin offers more affordable pet insurance than Nationwide across most age groups for both cats and dogs. Middle-aged dogs cost $48 per month with Pumpkin compared with Nationwide's $101 per month. For middle-aged cats, it's $30 with Pumpkin versus $52 with Nationwide.

See how much pet insurance costs across different age categories.

Pricing varies by pet age rather than location for the cheapest pet insurance. Pumpkin offers lower rates for middle-aged dogs and cats nationwide, while Nationwide leads pricing for senior pets across all states.

Both Nationwide and Pumpkin offer several ways to save on pet insurance discounts and premiums. While Nationwide provides discounts for multi-pet policies and existing members, Pumpkin keeps it simple with a flat multi-pet discount. The table below outlines their available savings options.

Pumpkin delivers better customer experience than Nationwide, ranking third nationally for both dogs and cats compared to Nationwide's seventh-place position. Both providers maintain A+ BBB ratings, but Pumpkin edges ahead with a 4.8 Trustpilot score versus Nationwide's 4.4 rating, showing consistently stronger customer satisfaction across review platforms.

Pumpkin offers better pet insurance coverage for dogs and cats than Nationwide, ranking sixth nationally while Nationwide 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.

Both Nationwide and Pumpkin provide ways to expand coverage through add-ons. Nationwide’s optional wellness plan can cover preventive care, while Pumpkin’s Preventive Essentials package helps reimburse routine vet costs.

• Wellness plan add-on: Offers reimbursement for preventive services such as annual exams, vaccines, blood tests, dental cleaning and flea/tick medication).
• Customizable illness riders: Available with select plans to expand coverage for hereditary conditions, cruciate injuries and other major illnesses.

• Preventive Essentials package: Covers one annual wellness exam, key vaccines, parasite screening and additional preventative care. This is a non-insurance benefit available for both dogs and cats.
• Comprehensive dental and behavioral coverage: Included in the base plan, covering dental illness treatment and behavioral therapy for issues like anxiety or aggression without requiring extra add-ons.

Pumpkin beats Nationwide overall, leading in affordability, customer experience, and overall performance. Pumpkin's rates start at $48 per month for middle-aged dogs and $30 for cats, significantly undercutting Nationwide's pricing. Pumpkin also delivers superior customer service, earning a 4.8 out of 5.0 Trustpilot rating and A+ BBB rating. However, Nationwide offers more comprehensive coverage options for pet owners prioritizing extensive policy benefits over cost savings.

Compare Nationwide and Pumpkin pet insurance through these common questions:

Evaluating Nationwide versus Pumpkin pet insurance required gathering quotes and policy details under identical conditions. We analyzed both providers using the same pet profiles and coverage specifications listed below.

• $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 both companies using three key factors weighted by their importance to pet owners.

Affordability (50% of score): We collected quotes across different pet ages and coverage options to measure real pricing, including available discounts that affect actual premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to assess customer 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.