Spot vs Pumpkin Pet Insurance 2022: Pros, Cons & Verdict


If you have ever had an emergency with your pet, you know how scary it can be. Depending on the severity of the problem, the costs can rise quickly. A small injury can result in X-rays, blood work, medications, etc. If you are not prepared or your budget is tight, you may not be able to get your pet the treatment it needs. This is one of the many reasons so many pet owners are purchasing pet health insurance.

However, not all pet insurance is created equal. Comparing rates, deductibles, and coverages are necessary for making an informed decision. It can certainly be confusing. We made a comparison of Spot and Pumpkin. Here are the pros, cons, and our verdict.

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An Overview of Spot & Pumpkin Pet Insurance

Spot and Pumpkin both offer pet insurance for dogs and cats, with a discount for multiple pets. The inclusions and exclusions for the policies offered by Spot and Pumpkin are nearly the same, and both provide coverage for vets in the U. S. and Canada. It’s not surprising since policies for both companies are underwritten by the United States Fire Insurance Company.

Spot offers customizable plans with five deductible options and three choices for reimbursement. They offer accident and illness, accident-only, and preventative care. You can choose a plan with unlimited coverage and a 24/7 vet helpline.

Pumpkin offers accident and illness plans only. You can choose your deductible, but the reimbursement for services does not have an option. You can purchase a wellness add-on for preventative care with no limit on eligible items. Pumpkin’s policies come with a 30-day money-back guarantee.

A Quick Comparison

Company Name Pet Insurance Company Spot Pet Insurance Company Pumpkin
Pets Covered Dogs and Cats Dogs and Cats
Types of Plans Customizable Plans,

Accident and illness,

Accident-only

Preventative Care

Accident and illness,

Preventative Care-Optional add-on,

Does not offer accident-only plan

Deductibles $100, $250, $500, $750, or $1,000 $100, $250, or $500
Reimbursement 70%, 80%, or 90% 90%
Additional Perks Multi-Pet Discount,

24/7 Vet Helpline,

Customizable,

Unlimited coverage available,

Coverage in includes U.S. and Canada

Multi-Pet Discount,

Coverage includes U.S. and Canada,

Eligible Wellness items have no set annual limit


Brief Overview of Spot Pet Insurance Company

spot pet insurance logo

Spot Pet Insurance Company offers accident and illness, accident-only, and preventative care plans. You can customize the coverage based on your pet’s needs. The number of pets you need to cover, pre-existing conditions, medications, and budget are things that you will need to consider when choosing your plan.

You can get insurance on your dog at any age beginning at eight weeks old, and hopefully before it develops any pre-existing conditions. There is a 14-day waiting period once you purchase the policy. Fortunately, breed does not matter; all dogs and cats can get coverage.

Spot pet insurance is available in all 50 states. You can choose any veterinarian in the U.S. or Canada. However, the coverages do vary from state to state.

Brief Overview of Pumpkin Pet Insurance Company

Pumpkin Pet Insurance

Pumpkin pet insurance offers accident and illness insurance for pets. They also have preventative care packages for dogs and cats with no exceptions to breed, age, or health. Unfortunately, the company does not offer a policy specifically for accidents only. They do offer a discount for insuring multiple pets.

The company provides customers with one plan for cats and dogs. The coverage is good for any vet in the U.S. and Canada. The company reimburses policyholders 90% of the cost of illness, including diagnostic testing, medication, and treatment. Also available from Pumpkin is the preventative care plan for vaccines, check-ups, wellness exams, etc., with no annual limits on eligible care.

With Pumpkin, you can count on a 30-day money-back guarantee.

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Company Spot vs Company Pumpkin: Plans Available

Spot

Spot pet insurance offers illness and accident insurance to cover your pet in case of illness or accident. The illness and accident insurance from Spot will cover your dog for illnesses that are not pre-existing. The policies include coverage for Magnetic Resonance Imaging (MRI), X-rays, CT scans, hospitalization, and surgery. Your pet can receive treatments for conditions like cancer and supplies like splints and casts.

If you have a strained budget, you can purchase accident-only insurance for unexpected injuries or illnesses as the result of an accident. This is not insurance for common health conditions or diseases from genetics or age. Spot’s accident-only insurance covers your pet for the unexpected. If your pet swallows something toxic or a sharp object, it is covered. Broken bones or teeth are also covered with the accident-only insurance. Any treatment, supplies, and medications are covered if they relate to the accident or injury.

The preventative care packages will cover routine shots, blood work, and wellness exams. Routine testing for heartworm, ringworm, and other parasites is also included in the package. The company does have annual limits on wellness care, however.

Pumpkin

Pumpkin pet insurance offers accident and illness insurance for pets. Pumpkin offers one plan option for all dogs and cats with a discount for multiple pets. The plan is all inclusive and covers illnesses, injuries, and accidents.

There are no complicated decisions about plans or reimbursement choice. All covered expenses are reimbursed at 90%. They cover surgery, exam fees, rehabilitation therapy, medications, and diagnostic testing.

In addition to health insurance, Pumpkin offers an add-on preventative care package for dogs and cats. There are no exceptions to breed, age, or health. The preventative care plan will cover your dog’s routine shots, blood work, and wellness exams. Your pet will be covered for vaccines, bloodwork, routine testing for parasites and worms, heartworm, and Lyme disease. There are no annual limits for your pet’s wellness care.

Pet insurance
Image Credit: Rawpixel.com, Shutterstock

Spot vs Pumpkin: Reimbursements and Deductibles

Spot

Spot gives policyholders a wide range of choices for reimbursement, deductibles, and annual limits. A higher deductible will mean more out-of-pocket expenses and lowers the premium. If your pet is accident-prone or susceptible to genetic diseases, you may want higher annual limits. As you can see, there are options for all budgets.

Deductibles: $100, $250, $500, $750, and $1,000

Reimbursement: 70%, 80% and 90%

Annual limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited

Pumpkin

If you are looking for an all-inclusive policy with fewer options, Pumpkin may be the one for you. The lack of options gives you quality insurance with upfront pricing. All covered services are reimbursed at one rate of 90%. You do have a choice of deductible and annual limits, which provides a small amount of flexibility in the price.

Deductibles: $100, $250, or $500

Annual limits: $7000, $10,000, $15,000, or $20,000

Pumpkin does not offer an unlimited benefit limit.

senior border collie dog with pet insurance form
Image Credit: Pixsooz, Shutterstock

Spot vs Pumpkin: Additional Perks

Spot

Spot pet insurance is a customizable insurance plan for your pet. If you are a multiple pet household, you can get a multi-pet discount of 10%. There are plans for limited or unlimited coverage for your pet at any vet in the U.S. or Canada. If you have your pet covered with Spot, you have the added benefit of a 24/7 vet helpline. That may come in handy if you have an emergency in the middle of the night.

Pumpkin

Pumpkin offers a one-plan all-inclusive policy for all dogs and cats. Your pet is covered for any vet in the U.S. and Canada. You have the benefit of a multi-pet discount with no set limit on eligible wellness visits.

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Spot vs Pumpkin: Pros and Cons

Most of the exclusions and inclusions for both companies are almost identical. They both offer choices for deductibles and annual limits. The policy options, deductibles, and annual limits available from Pumpkin are more limited than Spot, which may be a deterrent for someone on a strict budget.

The wellness plan offered by Pumpkin reimburses for all the eligible costs associated with keeping your pet healthy. The wellness package from Spot has an annual limit.

Both companies have the option of any vet in the U.S. and Canada, which is nice for someone that may travel frequently.

Spot

  • Customizable
  • Coverage in U.S. and Canada
  • 24/7 vet helpline
  • Multi-pet discount
  • Set annual limit on wellness plan
  • 14-day waiting period

Pumpkin

  • Wellness add-on available
  • Multiple pet discount
  • 90% reimbursement on all eligible items
  • Plan is all-inclusive
  • 14-day waiting period
  • No accident-only plans available
  • No 24/7 vet helpline
Pet Insurance Care Guarantee Concept
Image Credit: Rawpixel.com, Shutterstock

Company Verdict: Which One Has the Edge?

Customer Service

Edge: Pumpkin

Spot does not have customer service availability on weekends, and all claims are handled by Crum and Forster Insurance Agency, the providers of Spot Pet Insurance.

Pumpkin also uses a third-party for billing, claims, and customer service. Like Spot, customers cannot contact customer service on the weekends. They are not available.

We think Pumpkin has the edge over Spot since the Trustpilot reviews for Pumpkin were a 4.7 versus Spot at a 4.3.

Price of Plans

Edge: Spot

Spot is our choice when it comes to price, although the costs are the same for policies that have similar coverage. Spot, on the other hand, has a broader range of options available. The choices allow for lower premiums. The accident-only option is also a budget-friendly way to insure your pet for the unexpected.

The 90% reimbursement and fewer options offered by Pumpkin make it less budget-friendly.

Areas of Coverage

Edge: Spot

Spot offers an unlimited coverage option. Pumpkin does not. If you have ever been in a dire situation with your pet, you know the importance of peace of mind. Sitting in a waiting room knowing your pet has the best treatment available can be priceless. Spot has the edge for this option if it is affordable for you.

Perks

Edge: Spot

Spot also gets the edge for perks. The customizable coverages, 24/7 pet helpline, accident-only option, price, and the multi-pet discount make them a winner. Spot gives its customers the ability to ensure their pets get the care they need and deserve at a price that fits their budget. That’s a win-win.

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Conclusion

If you are looking for options that are affordable, Spot is the pet insurance company for you. With reimbursement, deductible, and limit options, you can’t go wrong. For tight budgets, the accident-only option is priceless in a situation that is emergent. For households that have more than one pet, the discount is an added benefit. The 24/7 vet helpline can also provide you with valuable information that may save your pet’s life. If you are in the market for pet insurance, Spot may be the one for you. We think it’s a winner.



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