Key Differences
Pets Best offers Direct Vet Pay.
Pumpkin has a longer window to file claims.
Pets Best has a shorter accident waiting period than Pumpkin.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Pets Best and Pumpkin offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
20,676 |
1,786 |
Deductible: |
$50, $100, $200, $250, $500, or $1,000 |
$100, $250, $500, and $1,000 |
Reimbursement: |
70%, 80%, or 90% |
80% or 90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
$5,000 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
3 days* |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 |
Orthopedic Waiting Period: |
6 months |
14 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Optional |
Yes |
Direct Vet Pay: |
Yes |
No |
Claims Expiration: |
Within 180 days of treatment |
Within 270 days of treatment |
Claims Submission App: |
No |
No |
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues*
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
Pumpkin Accident and Illness Coverage
Pumpkin offers accident and illness coverage you can configure your annual coverage limit, deductible, and reimbursement rate to fit your budget and needs.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
80% or 90%
Annual Limit Options
$5,000, $10,000, $20,000, or Unlimited Annual Limit
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Diagnostics
Emergency Care
Hospitalization
Hereditary Conditions
Illnesses
Prescription Pet Food
Prescription Medications
Supplements
Surgery
Tooth extractions
Microchip Implantation
Orthopedic Illnesses
Veterinary Treatment
While this is a general overview, each claim is unique and subject to terms and conditions. For full details please visit pumpkin.care/insurancepolicy.
Optional Wellness Add-On
Pumpkin offers two optional wellness coverage add-ons to their accident and illness plan. You can enroll your cat or dog in an Essential or Premium Plan to be reimbursed up to your yearly limit on select preventative and routine care.
Essential Plan for Dogs
Wellness Exams
Vaccination
Fecal Test
Routine Bloodwork
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Dogs
Everything in the Essential Plan is covered, plus:
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Essential Plan for Cats
Wellness Exams
Vaccinations
Fecal Test
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Cats
Everything in the Essential Plan is covered, plus:
Routine Bloodwork
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Pets Best and Pumpkin.
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
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 Pets Best vs. Pumpkin Review
Pets Best and Pumpkin offer comprehensive coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on. Pets Best and Spot offer options for deductibles, reimbursement rates, and annual limits. 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
