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 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.