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

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Pumpkin vs Trupanion Pet insurance Comparison

With so many pet insurance coverage corporations out there, it’s essential to test all the data and browse the positive print. Paying for pet insurance coverage protection is an enormous funding, so that you wish to make certain you’re getting the protection you want when it counts.

Each Pumpkin and Trupanion supply pet insurance policy that cowl accidents and diseases, although there are some key protection variations to pay attention to 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 prime.


A Fast Comparability

pumpkin vs trupanion pet insurance

Firm Title Pumpkin Trupanion
Pets Lined Canine, cats Canine, 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
Reimbursement 90% 90%
Extra Perks
  • Multi-pet low cost
  • Protection in US and Canada
  • Eligible wellness with no annual restrict
  • Protection for breed-specific circumstances
  • Property harm
  • Different therapies
  • Pays vets immediately

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’ll be able to improve with non-obligatory wellness protection, and there’s no particular ready interval for some circumstances. Pumpkin additionally provides reductions when you insure a number of pets. With preventative protection, you will get assist paying for wellness wants like vaccines, fecal exams, and heartworm exams.

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

Transient Overview of Trupanion

trupanion website

Trupanion provides a spread of deductible choices, limitless protection, and pays vets immediately for claims in some instances. Hospitalizations, surgical procedures, prescription medicines, hereditary circumstances, congenital circumstances, and accidents and diseases are coated. Relying in your state, Trupanion provides reimbursement choices of fifty% to 90%.

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


Pumpkin vs Trupanion: Plans Accessible


pumpkin pet insurance plans

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

Examples of procedures coated embrace:

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

The Preventative Necessities Pack is an non-obligatory add-on that covers routine care, resembling one vaccine, one wellness examination, and one fecal take a look at for worms or parasites per yr. For canines, Pumpkin additionally covers one blood take a look at for heartworm and tick illness per yr.


trupanion pet insurance plans

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

  • Damaged tooth
  • Hereditary circumstances
  • Congenital circumstances
  • Sicknesses
  • Surgical procedures
  • Lab and diagnostic testing
  • Prescription medicines
  • Veterinary dietary supplements
  • Natural remedy
  • Lacerations

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

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

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 a better premium. You’ll be able to select from three annual deductibles of $100, $250, or $500 and annual limits of $10,000 or $20,000 for canines and $7,000 and $15,000 for cats. Limitless can be out there for each canines and cats.


Trupanion has no annual limits on its insurance policies. It additionally provides a per-condition deductible, which is exclusive amongst pet insurance coverage corporations. With this feature, you pay your deductible quantity each time your pet experiences a brand new situation, slightly than yearly. This may be useful in case your pet develops a number of continual circumstances, because you solely pay for every as soon as, but it surely might price extra in case you have a number of unrelated claims in the identical yr.

You’ll be able to choose a deductible between $0 and $1,000, although pet house owners in Florida received’t have any deductible. Trupanion provides 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: Extra Perks


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


Trupanion provides particular protection for breed-specific circumstances, resembling cherry eye, hip dysplasia, thyroid illness, and cataracts. The additional protection choices embrace different therapies, resembling acupuncture and hydrotherapy, and non-veterinary protection like legal responsibility for property harm and promoting and rewards for a misplaced pet. Trupanion will pay vets immediately, supplied the vet has the software program.

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


Pumpkin vs Trupanion: Abstract of Professionals and Cons

Pumpkin provides loads of choices with versatile deductibles and annual limits, multi-pet reductions, and protection for curable pre-existing circumstances, 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 circumstances, and the choice to pay your vet immediately. 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
  • Elective wellness protection
  • Exams coated
  • No particular ready durations
  • Multi-pet low cost
  • Protection for curable pre-existing circumstances
  • 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 circumstances
  • Limitless protection caps
  • Versatile deductible choices
  • No protection for vet examination charges
  • No routine care protection out there
  • 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 out there for Pumpkin. As well as, Pumpkin is a more moderen 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 problem canceling insurance policies.

Value of Plans

Edge: Tie

Pumpkin has barely larger premiums than different insurance policy, although there’s a multi-pet low cost. However each Pumpkin and Trupanion have versatile plan choices and completely different perks and disadvantages, so one could also be less expensive 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 provides quite a lot of plan customizations, together with completely different annual limits and deductibles. It additionally provides add-ons to customise your protection in accordance with your wants and funds. Trupanion has fewer customization choices with limitless payouts. The one customization is to pick out your deductible to cut back your premium value, however you do have choices for protection for non-veterinary bills.


Edge: Pumpkin

Pumpkin provides 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—in contrast to Trupanion. You can even select your annual limits and deductibles to cut 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 bit of larger, Pumpkin provides customization choices to get the protection you want inside your funds, and it covers routine veterinary care. When you have a number of pets, you will get an additional low cost as nicely. 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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