Key Differences
Pumpkin's reimbursement rate options start at 80% and Spot's start at 70%.
Spot has a claims submission app. Pumpkin does not.
Pumpkin and Spot have multiple annual limit configuration options but at varying levels.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Spot and Pumpkin.
Spot Claims Details
You can use Spot’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the Spot Pet Insurance app
Claims are processed within 5-7 days on average
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 Spot vs. Pumpkin Review
Spot and Pumpkin offer coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on. Both offer options for deductibles, reimbursement rates, and annual limits, but Spot has more configuration options. 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.