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 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