Spot vs. Pumpkin Pet Insurance

Based on MoneyGeek's study, Spot offers better pet insurance overall, beating Pumpkin by one spot for cats and dogs in our national rankings. That said, your best option between these two providers may still change based on what matters most to you:

• Affordability: Pumpkin ranks first nationally for cats and third for dogs, putting it three and six spots ahead of Spot in each category. For pet owners where monthly cost is the deciding factor, Pumpkin is the clear choice.
• Customer Experience: Spot holds second place nationally for both cats and dogs, with Pumpkin one spot behind. That gap matters if responsive claims processing and useful support are what you're after when your pet needs care.
• Coverage: Spot edges out Pumpkin by two spots in this category, ranking eighth nationally for both cats and dogs. Pet owners who want broader protection and more flexibility in what gets covered will find Spot the better fit.

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

Spot ranks as the best pet insurance company in more states than Pumpkin for both cats and dogs. Spot wins in 30 states for cats compared to Pumpkin's 20 states, while Spot leads in 32 states for dogs against Pumpkin's 18 states.

Pumpkin wins against Spot on pet insurance cost for six out of eight categories, with the biggest savings of 12% for senior cats. Spot offers cheaper pet insurance for kittens (17% less) and young cats (8% less) compared to Pumpkin.

Pet insurance costs vary by state, with both providers offering their lowest rates in Arkansas. Pumpkin has the cheapest pet insurance for young dogs and middle-aged to senior pets at the state level, while Spot comes in lower for kittens and young cats across all 50 states.

Here's how Spot and Pumpkin compare across different life stages:

• Kittens: Spot costs $9 monthly in Arkansas versus Pumpkin's $11, a 17% difference on coverage for a new cat.
• Young Cats: Arkansas residents pay $13 monthly with Spot versus $14 with Pumpkin. That 7% gap adds up through your cat's younger years.
• Middle-Aged Cats: Pumpkin comes in at $20 monthly in Arkansas, about 2% cheaper than Spot.
• Senior Cats: Pumpkin's $43 monthly rate beats Spot's $50 in Arkansas, a 14% savings as vet costs climb.
• Puppies: Pumpkin runs $16 monthly in Arkansas compared to Spot's $17. The 3% difference is modest, but Pumpkin still wins on price.
• Young Dogs: Arkansas dog owners pay $21 monthly with Pumpkin versus Spot's $22, a 3% difference.
• Middle-Aged Dogs: Pumpkin costs $32 monthly in Arkansas against Spot's $33, again a 3% savings for dogs in their prime years.
• Senior Dogs: Pumpkin's $78 monthly rate edges out Spot's $80 in Arkansas, another 3% savings when coverage counts most.

Spot offers more pet insurance discounts than Pumpkin, with three ways to save compared to Pumpkin's two. Both providers match on the multi-pet discount at 10% per additional pet, making them equally good options for households with multiple furry family members. However, Spot pulls ahead for AAA or Blue Cross Blue Shield members and employer group plans, while Pumpkin exclusively rewards veterinary staff.

Spot ranks one spot higher than Pumpkin on customer experience, backed by a high Trustpilot score of 4.7 out of 5 and A+ rating from the Better Business Bureau. Pumpkin, however, pulls ahead on Reddit, with 79% positive feedback among users compared to Spot's 45% positive sentiment.

Spot provides more comprehensive pet insurance coverage for dogs and cats than Pumpkin, ranking eighth compared to Pumpkin's 11th position. Both companies have similar waiting periods for accidents, illnesses and even curable pre-existing conditions, though Spot wins by offering more flexibility in customizing your deductibles, annual limits and reimbursement rates.

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

Both Spot and Pumpkin offer one optional add-on focused on routine care. Spot's wellness plan comes in either Gold or Platinum tier, covering wellness exams, dental cleaning, vaccines, deworming, spaying/neutering, health certificates and flea/heartworm prevention.

Meanwhile, Pumpkin's Wellness Club provides coverage for wellness exams, vaccinations, fecal tests and spay/neuter procedures based on whether you choose Essential or Premium level.

Spot provides better pet insurance for cats and dogs than Pumpkin, excelling in customer service and coverage. Spot has a 4.7 out of 5 on Trustpilot and an A+ rating from the BBB, plus it offers more flexibility for policy customization. But Pumpkin is the more affordable choice, with rates starting at $48 per month for middle-aged dogs and $30 per month for cats.

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

Compare Spot and Pumpkin pet insurance through these common questions: