Key Differences
Trupanion offers Direct Vet Pay.
Pumpkin offers optional wellness coverage, Trupanion does not.
Trupanion has a shorter accident waiting period, Pumpkin has a shorter illness waiting period.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Pumpkin and Trupanion.
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.
Trupanion Claims Details
Trupanion offers Vet Direct Pay which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit them via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Our Pumpkin vs. Trupanion Review
Pumpkin and Trupanion offer coverage for accidents, illnesses, and various health issues. Pumpkin offers an optional wellness coverage add-on, but Trupanion does not. As for coverage, Trupanion doesn’t have annual payout caps and offers Direct Vet Pay. You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. Pumpkin offers 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.