Pumpkin vs. Trupanion Pet Insurance coverage 2022: Execs, Cons & Verdict

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Pumpkin vs Trupanion Pet insurance Comparison

With so many pet insurance coverage firms obtainable, it’s necessary to examine all the data and skim the tremendous print. Paying for pet insurance coverage protection is a giant funding, so that you wish to make sure you’re getting the protection you want when it counts.

Each Pumpkin and Trupanion supply pet insurance coverage that cowl accidents and diseases, although there are some key protection variations to concentrate on when selecting the plan in your pets. On this comparability, we cowl the completely different plan choices, reimbursements, deductibles, add-ons, and perks of each Pumpkin and Trupanion. Discover out which one comes out on high.


A Fast Comparability

pumpkin vs trupanion pet insurance

Firm TitlePumpkinTrupanion
Pets LinedCanines, catsCanines, cats
Kinds of Plans
  • Accident and sickness
  • Preventative care
  • Add-ons
  • Accident and sickness
  • Restoration and complementary care
  • Pet proprietor help package deal
Deductibles$100, $250, $500$0–$1,000
Further Perks
  • Multi-pet low cost
  • Protection in US and Canada
  • Eligible wellness with no annual restrict
  • Protection for breed-specific situations
  • Property injury
  • Various therapies
  • Pays vets instantly

Transient Overview of Pumpkin

pumpkin website

Pumpkin insurance coverage has a wide array of protection choices for medical bills like exams, surgical procedures, and diseases. You may improve with non-compulsory wellness protection, and there’s no particular ready interval for some situations. Pumpkin additionally affords reductions in case you insure a number of pets. With preventative protection, you may get assist paying for wellness wants like vaccines, fecal exams, and heartworm checks.

In contrast to different insurances, Pumpkin covers curable pre-existing situations in sure instances. In case your pet has been symptom-free of a curable situation and hasn’t had remedy prior to now 180 days, the situation is handled as a brand new incidence. This excludes knee and ligament issues, nevertheless.

Transient Overview of Trupanion

trupanion website

Trupanion affords a spread of deductible choices, limitless protection, and pays vets instantly for claims in some instances. Hospitalizations, surgical procedures, prescription drugs, hereditary situations, congenital situations, and accidents and diseases are lined. Relying in your state, Trupanion affords reimbursement choices of fifty% to 90%.

There are different perks with Trupanion, together with no prolonged ready intervals for particular situations and a 24/7 pet well being line. With add-ons, you may get protection for burial and cremation, promoting and rewards for misplaced pets, boarding charges in case you’re hospitalized, legal responsibility for property injury brought on by your pet, and different therapies like chiropractic and acupuncture.


Pumpkin vs Trupanion: Plans Obtainable


pumpkin pet insurance plans

The Pet Well being Insurance coverage Plan consists of protection for vet payments associated to accidents and diseases, akin to respiratory infections, pores and skin situations, most cancers, damaged bones, poisonous ingestions, and chunk wounds.

Examples of procedures lined embody:

  • Medical provides
  • Poison management session
  • Surgical procedure
  • Hospitalization
  • Tooth extraction
  • Stem cell remedy
  • IV fluids
  • Prescription drugs
  • MRIs
  • CT scans
  • X-rays

The Preventative Necessities Pack is an non-compulsory add-on that covers routine care, akin to one vaccine, one wellness examination, and one fecal take a look at for worms or parasites per 12 months. For canine, Pumpkin additionally covers one blood take a look at for heartworm and tick illness per 12 months.


trupanion pet insurance plans

The foremost medical plan for Trupanion covers diseases and accidents, akin to:

  • Damaged tooth
  • Hereditary situations
  • Congenital situations
  • Diseases
  • Surgical procedures
  • Lab and diagnostic testing
  • Prescription drugs
  • Veterinary dietary supplements
  • Natural remedy
  • Lacerations

The Pet Proprietor Help Bundle pays for bills exterior of veterinary prices, akin to:

  • Boarding charges in case you’re hospitalization
  • Legal responsibility in case your pet damages property
  • Promoting and rewards for misplaced pets
  • Burial or cremation prices
  • Trip cancellation prices in case you cancel a visit resulting from a pet’s sickness or harm

The Restoration and Complementary Care Rider covers non-clinical care procedures like:

  • Acupuncture
  • Chiropractic
  • Bodily remedy
  • Homeopathy
  • Rehabilitation
  • Naturopathy
  • Behavioral modification
  • Hydrotherapy


Pumpkin vs Trupanion: Reimbursements and Deductibles


Pumpkin’s insurance policies all include a 90% reimbursement fee, however that comes with the next premium. You may select from three annual deductibles of $100, $250, or $500 and annual limits of $10,000 or $20,000 for canine and $7,000 and $15,000 for cats. Limitless can also be obtainable for each canine and cats.


Trupanion has no annual limits on its insurance policies. It additionally affords a per-condition deductible, which is exclusive amongst pet insurance coverage firms. With this selection, you pay your deductible quantity each time your pet experiences a brand new situation, relatively than yearly. This may be useful in case your pet develops a number of persistent situations, because you solely pay for every as soon as, nevertheless it might value extra you probably have a number of unrelated claims in the identical 12 months.

You may choose a deductible between $0 and $1,000, although pet house owners in Florida gained’t have any deductible. Trupanion affords reimbursement choices of 90% or 50% to 90%, relying on the state.

happy woman owner playing with bulldog on the beach
Picture Credit score: Bogdan Sonjachnyj, Shutterstock


Pumpkin vs Trupanion: Further Perks


Pumpkin affords protection within the US and Canada. For pet house owners with a number of pets, the multi-pet low cost affords 10% off the premium for every further insured pet. Pumpkin additionally has eligible wellness protection with no annual restrict, which incorporates common vet exams, vaccinations, and extra.


Trupanion affords particular protection for breed-specific situations, akin to cherry eye, hip dysplasia, thyroid illness, and cataracts. The additional protection choices embody different therapies, akin to acupuncture and hydrotherapy, and non-veterinary protection like legal responsibility for property injury and promoting and rewards for a misplaced pet. Trupanion pays vets instantly, supplied the vet has the software program.

owner with her cat at home
Picture Credit score: Pixel-Shot, Shutterstock


Pumpkin vs Trupanion: Abstract of Execs and Cons

Pumpkin affords loads of choices with versatile deductibles and annual limits, multi-pet reductions, and protection for curable pre-existing situations, although it doesn’t supply an accident-only plan or a healthline. Trupanion additionally has versatile plans and deductibles, no prolonged ready interval for particular situations, and the choice to pay your vet instantly. Trupanion additionally has particular protection for non-veterinary bills, although it doesn’t supply a plan for routine veterinary care and wellness.


  • Versatile deductibles and annual limits
  • Optionally available wellness protection
  • Exams lined
  • No particular ready intervals
  • Multi-pet low cost
  • Protection for curable pre-existing situations
  • 14-day ready interval
  • No accident-only plan
  • No 24/7 healthline


  • Possibility for direct vet pay
  • 24/7 pet healthline
  • No prolonged ready interval for particular situations
  • Limitless protection caps
  • Versatile deductible choices
  • No protection for vet examination charges
  • No routine care protection obtainable
  • Per-condition deductible


Firm Verdict: Which One Has the Edge?

Buyer Service

Edge: Trupanion

Trupanion launched in 2000 and has been steady general. Its customer support representatives can be found with the 24/7 healthline, which isn’t obtainable for Pumpkin. As well as, Pumpkin is a more recent firm and its long-term repute for customer support and model stability stays to be seen. As of now, Trupanion has a constant historical past of pricing and coverage, whereas Pumpkin has complaints with pricing, processing instances, and issue canceling insurance policies.

Value of Plans

Edge: Tie

Pumpkin has barely larger premiums than different insurance coverage, although there’s a multi-pet low cost. However each Pumpkin and Trupanion have versatile plan choices and completely different perks and downsides, so one could also be more cost effective than the opposite relying in your particular person wants. Total, each are higher-priced insurance coverage choices.

Areas of Protection

Edge: Pumpkin

One of many largest variations between Pumpkin and Trupanion is that Pumpkin affords quite a lot of plan customizations, together with completely different annual limits and deductibles. It additionally affords add-ons to customise your protection in line with your wants and funds. Trupanion has fewer customization choices with limitless payouts. The one customization is to pick your deductible to scale back your premium value, however you do have choices for protection for non-veterinary bills.


Edge: Pumpkin

Pumpkin affords a multi-pet low cost, which is useful for pet house owners seeking to insure a number of pets. It additionally covers eligible wellness visits with no restrict, that are a good portion of veterinary bills. Each plans cowl dental diseases, however Pumpkin doesn’t require an annual dental examination for protection to use—not like Trupanion. You too can select your annual limits and deductibles to scale back your month-to-month premium, which isn’t as versatile with Trupanion.



Total, Pumpkin has the sting over Trupanion. Although the premiums are a little bit larger, Pumpkin affords customization choices to get the protection you want inside your funds, and it covers routine veterinary care. You probably have a number of pets, you may get an additional low cost as properly. Trupanion is the extra steady firm of the 2, nevertheless, and has constant satisfaction with customer support, pricing, and insurance policies, in addition to a 24/7 healthline.

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