Pumpkin & Trusted Pals: Key Differences

While Pumpkin and TrustedPals both offer pet insurance plans for accidents & illnesses and optional wellness packages, there are several key differences you should be aware of when choosing which provider is right for you and your pet.¹ Let’s dig in…

Pumpkin plans cover microchipping. TrustedPals plans don’t.

If pets go missing, a microchip comes in handy to help them get safely back home. A microchip is a small, permanent ID implanted between your pet’s shoulder blades. It has important information about you and your pet that helps a shelter or veterinarian reunite you both if you are separated for any reason. Once implanted, the microchip will last your pet’s lifetime. For all these reasons, Pumpkin insurance plans cover microchip implantation procedures by vets. TrustedPals insurance plans don’t.

Pumpkin plans don’t have 365-day waiting periods for cruciate ligament events & hip dysplasia.

Cruciate ligament events AKA knee ligament injuries are very common and can happen to any pet, at any age. If surgery is needed to repair a ligament, it can cost thousands, so getting coverage as soon as possible is key. Hip dysplasia is also a common hereditary condition that can affect both cats and dogs – especially large dog breeds. It’s a painful and degenerative condition, so it’s important to get coverage for it as soon as possible. TrustedPals insurance plans have a 12-month waiting period before your pet can be covered for these specific conditions. Pumpkin insurance plans have the same waiting period for all illnesses & accidents: 14 days or less, depending on your state.²

Pumpkin plans offer a 10% multi-pet discount. TrustedPals plans offer a 5% multi-pet discount.

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 plans offer a 10% multi-pet discount for each additional pet you enroll.³ TrustedPals plans only offer a 5% multi-pet discount for each additional pet.

It’s ALWAYS possible to get full value each year from Pumpkin’s optional wellness package.

Pumpkin’s wellness package is called Preventive Essentials. It’s not insurance, but an optional benefit you can easily add to any Pumpkin insurance plan for a monthly fee. Designed with leading vets to help you plan and pay for crucial routine care your pet needs to stay healthy, Preventive Essentials gives you a 100% refund each year for an annual wellness exam fee, key vaccine(s), and important parasite screening test(s). To get the most out of your package – all you have to do is use these 3 benefits.

With a TrustedPals Wellness plan, you pay a monthly fee (the cost varies based on pet age, breed, and location) which gives you access to $750 each year to spend on routine care services. A plan like this can be helpful if you take full advantage of the services offered, but not every service available is a typical annual expense (e.g., spay/neuter procedure). Whatever benefits you don’t use in the year term, you lose – there are no carryovers.