Pumpkin vs

Pumpkin & Trupanion: Key Differences

While Pumpkin and Trupanion both offer pet insurance plans that cover accidents & illnesses, there are some key coverage differences you should be aware of when choosing which plan is right for you and your pet. Let’s dig in…
Pumpkin plans cover vet exam fees for accidents & illnesses. Trupanion plans don’t.

Pumpkin Pet Insurance plans cover exam fees for accident and illness-related vet visits – in-clinic and virtual visits included! This can be a huge cost saver as exam fees typically cost $50 to $7516 and are included in nearly every vet bill. Trupanion pet insurance plans do not cover any vet exam fees.

Pumpkin plans cover preventable illnesses. Trupanion plans may not.
Trupanion insurance plans will only cover a preventable illness if your pet develops one despite taking all of your vet’s vaccine and preventive care recommendations. While we encourage you to stay up to date with any vaccinations or preventive meds your vet recommends, your Pumpkin insurance plan would not decline to cover a serious illness like parvovirus or lyme disease because you did not take certain preventive care measures with your pet.
Pumpkin plans don’t charge extra to cover behavioral issues.
With ~40% of cat and dog owners reporting pets with behavioral problems,10 we believe coverage for behavioral issues like separation anxiety and aggression are a necessity, not a nice to have. It’s why Pumpkin insurance plans cover behavioral issues as a basic benefit. This coverage is not included in Trupanion’s base insurance plan, but can be added for an extra monthly fee with their Recovery and Complementary Care Rider.
Pumpkin plans don’t charge extra to cover alternative therapies for accidents & illnesses.

With more vets using alternative therapies like hydrotherapy, acupuncture, and chiropractic to help rehabilitate pets with orthopedic injuries, or manage chronic or hereditary conditions like arthritis or hip dysplasia, this coverage can prove to be extremely valuable. Pumpkin insurance plans cover alternative therapies to treat covered conditions as a basic benefit. This coverage is not included in Trupanion’s base insurance plan, but can be added for an extra monthly fee with their Recovery and Complementary Care Rider.

Pumpkin plans don’t require a yearly dental exam to cover dental illnesses.

In order to get dental illness coverage with a Trupanion insurance plan, your pet must have their teeth examined by a vet every 12 months and follow their advice about ongoing dental care, including scheduling cleanings if recommended. While we fully support routine dental care, Pumpkin insurance plans would not decline to cover a serious illness like periodontal disease because your pet missed an annual dental exam.

Pumpkin plans don’t have an upper age limit for enrollment – and we’re proud of it!

Pets 14 years old and older are not eligible to enroll in Trupanion insurance plans. We believe veterinary care for seniors is crucial, as pets are more prone to developing certain illnesses as they age. It’s why all pets 8 weeks and older are welcome to enroll in Pumpkin insurance plans.

Pumpkin plans don’t just offer one annual coverage limit option.

Trupanion insurance plans only offer unlimited annual coverage. Pumpkin insurance plans offer this too, but also have additional annual limit options backed by recent claim data. We researched and found that <2% of pupstomers filed over $10k/yr in claims, while <3% of catstomers filed over $7k/yr in claims.1 That’s why Pumpkin plans offer smart annual limits of $10k for dogs and $7k for cats, plus higher annual limit options (including an unlimited option) for pet parents looking for added peace of mind.

Pumpkin plans don’t have ‘per condition’ deductibles.

With Pumpkin insurance plans, your 90% reimbursements kick in as soon as you pay a one-time annual deductible towards your pet’s covered vet expenses each year. The great thing about an annual deductible is that it’s easy to budget for – you must meet the same deductible amount every year regardless of how many new conditions your pet develops. Trupanion insurance plans have a per condition deductible, which means you’ll have to pay a deductible every time your pet gets diagnosed with a new condition to start receiving 90% reimbursements.

Pumpkin plans offer a 10% multi-pet discount. Trupanion plans don’t.

We know pet care can be expensive – especially when you have more than one four-legged family member to budget for. That’s why Pumpkin insurance plans offer a 10% multi-pet discount for each additional pet you enroll. Trupanion insurance plans do not offer one.

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

Trupanion doesn’t offer benefits to help cover the costs of your pet’s routine preventive care. 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 if you want refunds for routine care pets need 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).

Compare Plans

Type of Insurance
Accident & Illness
Accident & Illness
Reimbursement Rate
90% of covered vet bills
90% of covered vet bills
Annual Coverage Limit

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

Unlimited only
Annual Deductible with flexible pricing options
Per Condition Deductible with flexible pricing options
Illness Waiting Period
14 days
30 days
Accident Waiting Period
14 days
5 days
All Pets Ages 8 Wks. & Up Are Eligible to Enroll
All Pets Eligible to Enroll, Regardless of Health
Hereditary & Congenital Conditions
Chronic Conditions
Behavioral Issues
Optional add-on for an additional monthly fee
Dental Illnesses
Only if your pet receives an annual dental exam
Preventable Illnesses
Only if the illness occurs despite following your vet’s vaccine & preventive care recommendations
Exam Fees for Accident & Illness Related Vet Visits
Diagnostics, including Radiology & Lab Tests
Surgery, Emergency Services & Hospitalization
Specialized Care
Alternative Therapies
Optional add-on for an additional monthly fee
Prescription Meds
Prescription Food to Treat Covered Conditions
Only covers up to 50% of the cost for 2 months
Prescription Supplements to Treat Covered Conditions
Microchip Implantation
End of Life Services
Limited to euthanasia

Wellness 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)

Discount for Multiple Pets
10% off for each additional pet
Money Back Guarantee
30 days, as long as you have not received approval or payment for a claim (except in NY)
30 days, as long as you have not received approval or payment for a claim (except in NY)

Ready to get started?

Help us get to know your pet, so we can help you create their plan.