Spot vs. Pumpkin Pet Insurance

Spot offers better pet insurance coverage for dogs and cats than Pumpkin, ranking eighth nationally while Pumpkin ranks 11th. Both providers offer similar deductible ranges and reimbursement rates, but Spot provides more flexible annual limit options, shorter accident waiting periods, and allows coverage adjustments within 30 days of enrollment compared to Pumpkin's more restrictive modification policies.

Pumpkin is the best pet insurance company in 16 states for cats and five states for dogs. Spot leads in three states for cat coverage: California, Florida and Massachusetts. For dog insurance, Spot ranks first in California, Florida, Maryland and West Virginia.

Pumpkin offers more affordable pet insurance rates across most age groups for cats and dogs. For middle-aged dogs, Pumpkin costs $48 per month compared with Spot's $49 per month. Middle-aged cats cost $30 monthly with both providers.

See how much pet insurance costs across different age categories.

Pumpkin offers the cheapest pet insurance in most states across nearly every age group. Pumpkin leads in all 50 states for middle-aged dogs and 47 states for middle-aged cats, while Spot only beats Pumpkin's rates for kittens and young cats.

Spot offers more pet insurance discounts than Pumpkin, with several ways to save depending on how you enroll. Pumpkin provides a simpler discount structure focused on multi-pet savings, while Spot extends savings through membership and employer programs.

Spot delivers better customer experience than Pumpkin, ranking second nationally for both dogs and cats compared to Pumpkin's fifth-place position. Both providers maintain strong reputations with A+ BBB ratings and high Trustpilot scores above 4.7 out of 5.0, but Spot's higher national ranking reflects more consistent service quality across customer interactions.

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

If you want more financial protection for routine care, both Spot and Pumpkin offer preventive coverage options. Spot provides tiered wellness plans, while Pumpkin offers a single, straightforward preventive care package.

Spot offers two optional wellness plans to help cover everyday veterinary expenses.

• Gold wellness plan: Covers wellness exams, dental cleaning, vaccines, heartworm tests, deworming and fecal tests with up to $250 in annual benefits.
• Platinum wellness plan: Includes all Gold benefits plus spay/neuter, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with increased reimbursement.

Pumpkin offers one preventive care option that complements its standard accident and illness plan.

• Preventive Essentials package: Covers one wellness exam, one fecal test, and two vaccines each year, plus annual heartworm and tick tests. It’s designed to help pet owners manage routine checkups without separate out-of-pocket costs.

Spot beats Pumpkin overall, delivering better coverage options and superior customer service. Spot offers comprehensive accident and illness plans with optional wellness coverage, plus earns a 4.7 out of 5.0 Trustpilot rating and A+ BBB rating. However, Pumpkin is the more affordable choice, with rates starting at $48 per month for middle-aged dogs and $30 for cats.

Compare Spot and Pumpkin pet insurance through these common questions:

Evaluating Spot versus Pumpkin required collecting quotes and policy details under identical conditions. We analyzed both providers using the same pet profiles and coverage specifications to ensure fair comparison.

• $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 scored each provider using three weighted factors based on their importance to pet owners.

Affordability (50% of score): We collected quotes across multiple pet ages and coverage combinations to determine typical monthly premiums and evaluate how available discounts affect actual costs.

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

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