If you get sick, you need healthcare to cover the costs of your treatment. Without healthcare insurance, you’re going to end up with some huge bills you can’t afford to pay.
Unfortunately, it’s the same for your cat or dog. If your pet gets ill or involved in an accident causing physical injuries, they need pet insurance to cover the treatment costs.
As the owner, you’re liable for your pet’s health and the treatment costs.
This review will look at Pumpkin vs Healthy Paws, two of the leading pet insurance companies. We’ll unpack everything you need to know about the two, and we’ll compare them against other leading pet insurance brands.
What Is Pumpkin Pet Insurance?
According to Pumpkin pet insurance reviews, the global pet care conglomerate, Zoetis, Inc is Pumpkin’s owner. The company is a significant player in the $1.5-billion pet healthcare market, competing against more than a dozen providers in the space.
Pumpkin offers you pet exceptional healthcare benefits, covering them for preventative and emergency care, as well as rehabilitation and surgery. You get everything you need to keep your pets healthy in one easy monthly premium.
Pumpkin tailors your pet’s healthcare plan to meet your pet’s needs. Choose your payout limits, with up to $20,000 in care for dogs and $15,000 for cats. Pumpkin varies its policy pricing on a zip-code basis, state-by-state.
You get affordable premiums and access to professional medical care for your pets when you need it. Pumpkin takes care of the annual costs of vaccinations, checkups, and laboratory tests to keep your pets healthy.
Pumpkin Pet Insurance Pros and Cons
Pros
- Specifically for dog owners.
- Options for normal and heavy-chewers.
- Affordable annual subscriptions.
- An AI-assisted assessment process for choosing the best toys.
- It comes with a good balance of chew toys and treats.
Cons
- More expensive than Chewy.
What Is Healthy Paws?
Steve Siadek and Rob Jackson co-founded Healthy Paws back in 2009. Over the last decade, the company grew into one of the leading pet health insurance brands.
Healthy Paws gets its notoriety from its “One Plan” policy option. With one plan, you get all the medical care you need for your pet.
With Healthy Paws, there are no caps or limitations on payouts. If your pet gets in a serious accident, there’s going to be no out-of-pocket surgery or therapy costs; Healthy Paws covers everything.
Healthy Paws is an excellent competitor to Pumpkin, but we have to give them second place. We feel Pumpkin has the more affordable premium, and they cater to your pet’s individual needs instead of throwing out a blanket plan.
Healthy Paws Pros and Cons
Pros
- More treat options for dogs.
- Bandana included.
Cons
- Not brand-specific to dog owners.
- No options for heavy-chewing dogs.
- Soft toys are not suitable for some breeds.
- More treats, fewer toys.
- No guarantee on toys.
Pumpkin vs Healthy Paws – Comparisons Against the Top Pet Insurance Companies
Let’s compare the offerings from Healthy Paws and Pumpkin pet insurance to the leading market competitors.
Pumpkin vs Trupanion
Trupanion and Pumpkin are two of the leading pet insurance brands. However, Pumpkin has a distinct advantage over Trupanion in many areas. Here are the primary differences between Pumpkin pet insurance and Trupanion.
First, Pumpkin doesn’t charge you a higher premium for care options you’re not going to use. They tailor your policy to meet your pet’s needs.
Pumpkin also covers dental problems, and they don’t require an annual exam. If your dog develops behavioral issues, Pumpkin cover alternative therapies at no additional cost.
Trupanion only covers your dog or cat if they develop preventable illnesses. Pumpkin covers your pets for all pet emergencies, even preventable issues.
Trupanion won’t cover you for exam fees, but Pumpkin does pay these costs. Pumpkin also offers you an annual deductible, while Trupanion only provides a “per-condition” deductible.
Overall, Pumpkin offers you a more flexible health insurance plan for your pets. There are no hidden clauses, and if your pet needs medical treatment, they get what they deserve.
ASPCA vs Healthy Paws
According to Healthy Paws reviews, they have the better policy option for pet owners. The One Plan from healthy paws covers your pet for all emergencies and checkups.
There are no caps on the payouts, and your pet gets everything they need in one easy-to-understand policy.
However, with ASPCA, the offering isn’t as clear. The company offers you the option to set your policy caps and limitations when signing up. You have options for coverage limits to suit your budget.
However, pet owners signing up with ASPCA need to understand the policy details before committing to any plan.
The payout caps and restrictions on treatment per your policy terms could mean you come up out-of-pocket on some treatments, especially in emergencies.
Overall, we think Healthy Paws has the better option. You get affordable preventative care for your pets and access to a wide network of vets across the United States.
Spot vs Pumpkin Pet Insurance
Spot Pet Insurance is an up-and-coming pet healthcare provider, with its chairman being the legendary Cesar Milan from Dog Whisperer fame.
According to user reviews, Spot reimburses around 70% to 80% of all vet bills. The company works with vets across the country, so there’s no need to find a spot-approved vet before taking your animal in for an emergency or checkup.
Spot insurance covers most pet procedures, including microchipping and deworming. They also offer coverage on advanced treatments and care like CT or MRI scans, X-rays, and oncology treatments for cancer therapy.
Spot also offers you an accident-only plan that’s affordable for pet owners on a budget. It’s also important to note there are no age limits on your pets when joining Spot.
However, we think that Sport lacks the track record and consistency of Pumpkin. Pumpkin has a large user base of satisfied customers and some of the best premiums in the industry.
Pumpkin vs Healthy Paws – The Verdict
According to our Pumpkin and Healthy Paws reviews, we recommend going with Pumpkin for your pet’s healthcare needs. Voted best pet healthcare provider by Buyersguide.org, Pumpkin gets a 10/10 rating.
Pumpkin offers affordable preventative medical care for your pets, and it’s available in most US states. Pumpkin is the best choice for pet owners that don’t have an emergency fund.
If something happens to your pet, you get access to medical care without the need to make large co-payments.
Frequently Asked Questions
Q: What does Pumpkin Pet Insurance cost?
A: The cost of your Pumpkin pet insurance policy varies depending on your state and animal health.
With Pumpkin, you get to tailor your premium to suit your needs. Unlike Healthy Paws, where you have a single policy option.
Pumpkin also offers different annual benefit limits for cats and dogs, with dogs capped at $20,000, while the limit for cats is $15,000.
Q: Do Healthy Paws cover physical therapy?
A: Yes, the Healthy Paws One Plan covers your pet for all its physical therapy needs. Other providers offer you a tiered plan for physical therapy; typically, the most expensive option provides this feature.
With Healthy Paws, you get it included in your One Plan, making it more desirable for pet owners than most other pet insurance companies.
Q: Does Healthy Paws cover rehabilitation?
A: Yes, Healthy Paws One Plan covers rehabilitation as well as physiotherapy and chiropractic needs for your pets.
Healthy Paws offers you one policy covering all your pet’s needs. Depending on your zip code, your monthly premium could be anywhere between $10 to $15.