Pumpkin vs

Pumpkin & Pet Assure: Key Differences

Pumpkin offers pet insurance plans with extensive accident & illness coverage, as well as an optional wellness package. 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. 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 90% reimbursement rate on covered vet bills for accidents & illnesses and a data-backed1 annual coverage limit of $10k for dogs or $7k for cats, with higher annual limit options (including an unlimited option) for pet parents looking for added peace of mind. So for example, if your pet gets treatment for an ear infection and the covered treatment costs $200, your final cost would be $20 after receiving your 90% reimbursement from your Pumpkin plan (assuming you already met your deductible).

Pet Assure does not offer pet insurance plans. Instead, they offer a veterinary discount program for a monthly fee that gives you a 25% discount on medical services performed at participating Pet Assure veterinary hospitals, with some exclusions. You are responsible for the amount that you pay for a service after the 25% discount is applied.

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 will cover any Rx medication, food, or supplement prescribed to treat an eligible accident or illness (and not for general health or weight maintenance). 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 an estimated 40% of cat and dog owners reporting pets with behavioral problems,10 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 only covers 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.

Pumpkin offers an optional wellness package that refunds routine care. Pet Assure doesn’t.

At Pumpkin, we’re just as committed to preventing diseases and detecting illnesses early as we are to treating them. It’s why we worked with leading vets to create Preventive Essentials – our wellness package. It’s not insurance, but an optional benefit you can add to your insurance plan to get refunds for routine care your pet needs to stay healthy each year, including: your pet’s annual wellness exam fee; vaccines (4 for puppies, 2 for dogs, 1 for cats); a fecal “poop” test for intestinal worms (roundworms, hookworms & whipworms); and for dogs, a blood test for heartworm disease and diseases spread by ticks (lyme, ehrlichiosis & anaplasmosis). While Pet Assure’s 25% discount can apply to routine care services received at participating Pet Assure veterinary practices, you still have to pay the remaining bill after the discount is applied.

Compare Plans

Type of Product
Accident & Illness Insurance + Optional Wellness Package
Veterinary Services Discount Plan
Reimbursement Rate
90% of covered vet bills
Annual Coverage Limit

$10k, $20k, or unlimited for dogs
$7k, $15k, or unlimited for cats

Annual Deductible with flexible pricing options
Illness Waiting Period
14 days
Accident Waiting Period
14 days
All Pets Ages 8 Wks. & Up Are Eligible to Enroll
All Pets Eligible to Enroll, Regardless of Health
Get Treatment at Any Veterinary Clinic or Hospital
25% discount on veterinary services
25% discount on veterinary services
Hereditary & Congenital Conditions
25% discount on veterinary services
Chronic Conditions
25% discount on veterinary services
Behavioral Issues
25% discount on in-house veterinary services only
Dental Illnesses
25% discount on veterinary services
Preventable Conditions
25% discount on veterinary services
Exam Fees for Accident & Illness Related Vet Visits
25% discount on veterinary services
Diagnostics, including Radiology & Lab Tests
25% discount on in-house services only
Surgery, Emergency Services & Hospitalization
25% discount on veterinary services
Specialized Care
25% discount on in-house specialists only
Alternative Therapies
25% discount on in-house veterinary services only
Prescription Medication and Supplements to Treat Covered Conditions
Excludes take-home
Prescription Food to Treat Covered Conditions
Excludes take-home
Microchip Implantation
End of Life Services
Wellness Package / Plan

Preventive Essentials package:
(Not insurance, but an optional add-on)

100% refund of the following routine care services each year:
+ 1 Annual Wellness Exam Fee
+ 4 Vaccines for Puppies, 2 for Dogs, 1 for Cats
+ 1 Fecal “Poop” Test for Intestinal Worms
+ 1 Blood Test for Heartworm & Tick Diseases or Heartworm Only (for Dogs)

Pet Assure’s Single Dog/Large Animal Plan, Single Cat/Small Animal Plan, Family Plan, and Unlimited Plan:
All plans offer a 25% discount on preventive care & wellness services. The plan you choose determines how many pets in your household the discount can apply to.

Discount for Multiple Pets
10% off for each additional pet
Incremental discount for Family Plan (2-4 pets) or Unlimited Plan (all pets in household)
Money Back Guarantee
30 days, as long as you have not received approval or payment for a claim (except in NY)
45 days

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