Key Differences
Pumpkin's maximum reimbursement rate option is 90%, Nationwide's is 70%.
Nationwide has a longer window to file claims than Pumpkin.
Pumpkin has more deductible options.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Pumpkin and Nationwide offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
1,786 |
80,598 |
Deductible: |
$100, $250, $500, and $1,000 |
$250, $500, or $1,000 |
Reimbursement: |
80% or 90% |
50%, 60%, or 70% |
Annual Limit: |
$5,000 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
14 days |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 |
1 day |
Orthopedic Waiting Period: |
14 days |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Optional |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 365 days of the date of treatment* |
Claims Submission App: |
No |
No |
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
Nationwide Accident and Illness Coverage
Nationwide offers accident and illness coverage you can configure your deductible and reimbursement rate to fit your budget and needs.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 60%, or 70%
Annual Limit Options
Unlimited
What's Covered
Accidents
Alternative Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. The first level provides $450 in annual benefits and the second level provides $800. Here’s what is covered in each.
Level 1 - $450 Total Annual Benefit
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2 - $800 Total Annual Benefit
Everything listed in Level 1 is covered plus:
One additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
**Coverage for spay/neuter or dental starts 90 days after the original policy term effective date.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Pumpkin and Nationwide.
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.
Nationwide Claims Details
With Nationwide Pet Insurance, you can file a claim through an online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Our Pumpkin vs. Nationwide Review
Pumpkin and Nationwide offer comprehensive coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on to their base plan. In terms of coverage, Pumpkin and Nationwide are very similar, but Pumpkin does cover some costs and services, such as prescription supplements, that Nationwide offers as an add-on. You can configure the reimbursement rate and deductible of Nationwide’s plans, the maximum annual limit is fixed. Pumpkin offers reimbursement, deductible, and annual limit options to choose from. 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.
