Key Differences
Pumpkin has a longer window to file a claim but no claims submission app.
Fetch’s lowest deductible option is $300. Pumpkin’s is $100.
Pumpkin has fewer reimbursement rate options than Fetch.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Fetch and Pumpkin.
Fetch Claims Details
Fetch Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can also mail or email your claim form with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Fetch Pet Insurance app
Approved claims are paid back in as little as two days
Pumpkin Claims Details
You can use Pumpkin’s website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment. Pumpkin also offers an urgent pay service, PumpkinNow™, to speed up high-cost urgent care on eligible claims.
Offers an urgent pay service that expedites claims and estimates for urgent care of $1,000 or more. This could give you up to 90% cash back in as little as 15 minutes, before you leave the vet*.
Offers direct deposit as a reimbursement option.
Claims processing times will vary depending on your specific case. With PumpkinNow™, you can get paid before you pay for eligible urgent care.
Our Fetch vs. Pumpkin Review
Fetch and Pumpkin offer comprehensive coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on. Fetch and Pumpkin offer multiple reimbursement, deductible, and annual limit options to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.