Pumpkin & Pet Assure: Key Differences

Pumpkin offers pet insurance plans with extensive accident & illness coverage. Pet Assure doesn’t offer pet insurance and is a veterinary service discount program. There are several key differences between Pumpkin and Pet Assure to be aware of when choosing which coverage solution is right for you and your pet.¹ Let’s dig in…

Pumpkin plans offer extensive accident & illness coverage. Pet Assure doesn’t.

When your pet gets sick or hurt unexpectedly, Pumpkin Pet Insurance plans are there to help you give them the best care possible, even when it comes at a high cost. All Pumpkin plans offer a high 80% or 90% reimbursement rate on covered vet bills for accidents & illnesses and a data-backed² annual coverage limit of $10k for dogs or $7k for cats, with lower and higher annual limit options also available (including an unlimited option) depending on your pet’s needs and budget. So for example, if your pet gets treatment for an ear infection and the covered treatment costs $200, your final cost could be $20 after receiving a 90% reimbursement with a Pumpkin plan (assuming you already met your deductible).

Pumpkin plans cover take-home Rx meds, food & supplements. Pet Assure doesn’t.

Rx medication, food, and supplements can be very helpful for pets suffering from a range of illnesses, from kidney disease to diabetes. That’s why Pumpkin insurance plans cover any Rx medication, food, or supplement prescribed to treat an eligible accident or illness (and not for general health or weight maintenance).³ Pet Assure’s discount doesn’t apply to any take-home Rx medications, food, and supplements.

Pumpkin plans cover eligible diagnostic tests performed outside your vet’s clinic. Pet Assure doesn’t.

If your pet needs a diagnostic test for a covered accident or illness – like blood work – your Pumpkin insurance plan would cover it, even if the test has to be performed outside your vet’s clinic. Pet Assure discounts don’t apply to services that have to be performed outside of the participating vet clinic or hospital. For example, if your pet has blood work performed at the clinic, the discount will apply, but if the vet sends the sample to a lab or an outside specialist, that service is not eligible for the discount.

Pumpkin plans cover treatment for behavioral issues received outside your vet’s clinic. Pet Assure doesn’t.

With over 99% of U.S. dogs reported to have behavior issues in a recent study,⁴ we believe coverage for behavioral issues like separation anxiety and aggression is a necessity, not a nice to have. Pumpkin insurance plans cover behavioral issues, even if that means getting treatment from a veterinary behaviorist outside your primary vet’s clinic. Pet Assure’s discount would only cover treatment that is performed at your vet’s clinic on-site.

Pumpkin plans allow you to get treatment at any vet you choose. Pet Assure doesn’t.

With Pumpkin insurance plans, it’s your vet, your choice – always. Pumpkin plans don’t try to limit your care options, which means you can visit any licensed veterinarian, specialist, or emergency clinic in the US or Canada. Pet Assure’s discount program is only accepted at select participating practices.