Compare The Differences & See Which Is Best


To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

2 French Bulldogs fighting over a stick (Caption: Pumpkin vs Pets Best logos)

Pumpkin and Pets Best both offer pet insurance plans for accident and illness policies as well as optional wellness plans. However, there are some key differences you should know about before choosing between these providers. We pit the two pet insurance companies against one another to select a clear winner.

We compare coverage, customer service and reputation, claim processing, pricing, and customizations and explain which company we think is better in most cases. But, remember that each pet and household budget varies, so obtaining quotes from multiple companies for your unique situation can help ensure that you get the best policy and price to meet your specific needs.

Visit Pumpkin’s Website | Visit Pets Best’s Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows precisely what Pumpkin and Pets Best cover.

Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Pumpkin Pet Insurance comes out ahead because it offers coverage for alternative/holistic therapy and exam fees without an extra fee. Pumpkin also has shorter waiting periods for CCL surgery. However, Pumpkin’s accident waiting period is considered long compared to most companies.

Pumpkin’s underwriter has an A rating from A.M. Best (a measurement of financial stability). This means that the underwriter may be more reliable than Pets Best’s (who has opted to go unrated) when it comes to claims repayment. However, Pets Best has been in business for 15 years longer than Pumpkin, so it has more experience paying out claims and customer experiences to read and learn from.

Pumpkin pet insurance logo

Ultimately, Pumpkin is the winner of this category because it provides more thorough coverage and excludes fewer health conditions; however, this is a close race due to Pets Best’s longer business history with a strong customer experience reputation (read more below).

Policy Coverage Winner: Pumpkin

Customer Service & Reputation

Person holding phone next to dog (Caption: Customer Service & Reputation Winner)

Founded in 2020, Pumpkin is new to the pet insurance space. And from the customer reviews we’ve seen, there are many complaints regarding pricing, cancelation difficulties, lengthy claim processing periods, and more. It can take years for a company to stabilize its performance and pricing, and it appears that Pumpkin is still working through these challenges.

Pets Best isn’t perfect either and has gone through a lot since the COVID-19 pandemic began. Thanks to its thorough coverage and low prices, it saw a massive uptick in policy purchases during this time. However, this led to more claims being filed, and there wasn’t enough staff to help resolve the increase in claims. As a result, complaints flooded in for poor customer service and long claim processing times. Unfortunately, Pets Best is still recovering.

However, Pets Best isn’t alone in increased policy purchases and insufficient staff to tend to claims and other customer service needs. In fact, we’ve spoken with many pet insurance providers and have noticed there are longer response times across the board.

Customer Service & Reputation Winner: Pets Best

Claim Processing

Doctor's office papers (Caption: Timeliness Of Claim Repayment)

Pumpkin states it processes claims in two to four weeks. This is much longer than most of its competition. The majority of companies average fewer than ten days. But, due to the pandemic-related delays discussed above, Pets Best isn’t any better; it currently averages 25-40 days for its claim processing.

Because Pumpkin has a much shorter claim processing average, it wins this category. But, if you are looking for quick repayment, you might want to consider our winner for the fastest claims repayment.

Pumpkin pet insurance logo

Claim Processing Winner: Pumpkin

Price Of Policy

Dog laying next to money (Caption: Price Of Policy)

Both Pumpkin and Pets Best have monthly transaction fees of $2 but no one-time sign-up fees.

Pet insurance pricing is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your actual pet.

Pets Best tends to offer some of the most affordable coverage. Meanwhile, Pumpkin is among the most expensive, on average.

Price Of Policy Winner: Pets Best

Coupons

Pumpkin

Pumpkin offers the following discount:

  • 10% off for multiple pets

Use this link to take advantage of the best possible price. No promo code is needed.

Pets Best

Pets Best offers the following discounts:

  • 5% off for multiple pets 
  • 5% off for military members and their families

Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Pets Best promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

Both companies offer several plan customization options to try and fit your premium into your budget.

Pumpkin Pets Best
Annual Payout Options $10,000, $20,000, and unlimited $5,000 and unlimited
Deductible Options $100, $250, and $500 $50, $100, $200, $250, $500, and $1,000
Reimbursement Options 90% 70%, 80%, and 90%
Optional Wellness Plan Brown checkmark (Yes) Brown checkmark (Yes)
Accident-Only Plan Orange X (No or Not) Brown checkmark (Yes)

Overall, Pets Best has more customization options than Pumpkin, which may make it a better, more flexible fit for your budget.

Plan Customization Winner: Pets Best

What’s Our Verdict?

In the end, Pets Best wins this comparison against Pumpkin due to its longstanding reputation, plan customizations, and lower pricing. However, if you want a faster turnaround for your claim processing, you may want to consider Pumpkin or another reputable provider.

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of Pumpkin and Pets Best.

Overall Winner: Pets Best

Our pet insurance experts have spent hundreds of hours researching to share our comprehensive and frequently updated pet insurance reviews, including our top picks along with details on the most popular pet insurance companies.

If you prefer to see winners by category, check out our best pet insurance comparison. We give awards for the best price, multi-pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for cats and exotic pets (i.e., rabbits, guinea pigs, birds, etc.).

Tagged With:



Source link

42 thoughts on “Compare The Differences & See Which Is Best

  • July 15, 2023 at 2:08 pm
    Permalink

    Hey would you mind letting me know which hosting company you’re working with?
    I’ve loaded your blog in 3 completely different browsers and I must say this blog loads a lot quicker then most.

    Can you recommend a good web hosting provider at a reasonable price?
    Thanks a lot, I appreciate it!

  • July 15, 2023 at 6:38 pm
    Permalink

    Good post. I am dealing with a few of these issues as well..

  • July 17, 2023 at 5:29 am
    Permalink

    This is a topic that’s near to my heart… Many thanks!

    Exactly where are your contact details though?

  • July 31, 2023 at 5:33 am
    Permalink

    For most up-to-date information you have to pay a visit the web and on the
    web I found this website as a most excellent web site for
    most recent updates.

  • July 31, 2023 at 2:37 pm
    Permalink

    This is a topic that’s near to my heart… Take care! Exactly where are your contact details though?

  • October 6, 2023 at 5:28 am
    Permalink

    I am actually glad to glance at this blog posts which carries
    tons of useful information, thanks for providing such information.

  • October 6, 2023 at 6:08 pm
    Permalink

    Write more, thats all I have to say. Literally, it seems as though you
    relied on the video to make your point. You obviously know what youre talking about, why waste
    your intelligence on just posting videos to your blog when you could be giving us something informative
    to read?

  • October 9, 2023 at 2:21 am
    Permalink

    If some one desires to be updated with hottest technologies then he
    must be visit this web page and be up to date daily.

  • October 9, 2023 at 3:20 am
    Permalink

    Very nice post. I just stumbled upon your weblog and wished to say that I have truly enjoyed surfing around your blog posts.
    In any case I’ll be subscribing to your rss feed and I hope
    you write again soon!

  • October 9, 2023 at 8:03 am
    Permalink

    When I initially commented I seem to have clicked on the -Notify
    me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the same
    comment. There has to be an easy method you are able to remove me from that service?
    Kudos!

  • October 9, 2023 at 8:18 pm
    Permalink

    I blog often and I genuinely thank you for your information. Your article has really peaked my interest.
    I’m going to take a note of your blog and keep checking
    for new details about once per week. I opted in for your RSS feed as well.

  • October 9, 2023 at 8:50 pm
    Permalink

    I loved as much as you’ll receive carried out right here.
    The sketch is tasteful, your authored subject matter stylish.
    nonetheless, you command get bought an impatience over that
    you wish be delivering the following. unwell unquestionably come further formerly again since exactly the same
    nearly a lot often inside case you shield this increase.

  • October 10, 2023 at 8:14 pm
    Permalink

    When someone writes an piece of writing he/she retains the image
    of a user in his/her brain that how a user can know it. Therefore that’s why this piece of
    writing is amazing. Thanks!

  • October 11, 2023 at 9:33 pm
    Permalink

    of course like your web site however you have to take a
    look at the spelling on quite a few of your posts.
    Several of them are rife with spelling issues and I find it very troublesome to
    tell the truth nevertheless I will certainly come again again.

  • October 12, 2023 at 12:14 am
    Permalink

    Thank you for every other great article. Where else may anyone get that kind of info in such an ideal method of writing?

    I have a presentation next week, and I’m at the search for such info.

  • October 12, 2023 at 12:56 am
    Permalink

    We are a group of volunteers and starting a new scheme in our community.
    Your site offered us with valuable info to work on. You’ve done a formidable
    job and our whole community will be grateful to you.

  • October 12, 2023 at 8:44 am
    Permalink

    Heya i’m for the primary time here. I came across this board and I find It really useful & it helped
    me out a lot. I’m hoping to give one thing back and aid others such as you helped me.

  • October 24, 2023 at 12:17 am
    Permalink

    It’s impressive that you are getting ideas from this article as well as from our argument made here.

  • October 24, 2023 at 4:33 am
    Permalink

    Hello Dear, are you truly visiting this website on a regular basis, if so
    then you will definitely take pleasant know-how.

  • October 24, 2023 at 4:33 am
    Permalink

    Hi there to every one, because I am in fact eager of reading this blog’s
    post to be updated on a regular basis. It contains pleasant stuff.

  • October 24, 2023 at 4:35 am
    Permalink

    Great delivery. Great arguments. Keep up the good work.

  • October 24, 2023 at 4:39 am
    Permalink

    fantastic put up, very informative. I’m wondering why the opposite experts of this sector
    do not notice this. You must proceed your writing.

    I am sure, you have a huge readers’ base already!

  • October 24, 2023 at 4:39 am
    Permalink

    It’s very simple to find out any matter on net as compared to textbooks, as I found this article
    at this site.

  • October 24, 2023 at 4:39 am
    Permalink

    I visit each day some web pages and websites to read articles or reviews,
    but this webpage provides feature based articles.

  • October 24, 2023 at 4:40 am
    Permalink

    What a data of un-ambiguity and preserveness
    of precious familiarity concerning unpredicted feelings.

  • October 24, 2023 at 4:41 am
    Permalink

    I do not know whether it’s just me or if perhaps everybody
    else experiencing issues with your blog. It seems like some of the written text within your content are running off the screen. Can somebody else please provide feedback and let me know
    if this is happening to them as well? This could be a problem with
    my web browser because I’ve had this happen before.
    Kudos

  • October 24, 2023 at 4:41 am
    Permalink

    Hey! This post couldn’t be written any better!
    Reading this post reminds me of my previous room mate! He always kept chatting about this.

    I will forward this post to him. Pretty sure he will
    have a good read. Thank you for sharing!

  • October 24, 2023 at 4:43 am
    Permalink

    Nice answers in return of this matter with real arguments
    and explaining all about that.

  • October 24, 2023 at 4:43 am
    Permalink

    This is the perfect website for anybody who wishes to find out about
    this topic. You know so much its almost tough to argue with you (not that I actually would want to…HaHa).

    You certainly put a brand new spin on a subject which has been written about for
    a long time. Wonderful stuff, just excellent!

  • October 24, 2023 at 4:48 am
    Permalink

    Hi, i think that i saw you visited my blog so i came to “return the favor”.I’m attempting to
    find things to enhance my site!I suppose its ok to use a few of your ideas!!

  • October 24, 2023 at 6:05 am
    Permalink

    Hi everyone, it’s my first pay a quick visit at this site, and post is genuinely fruitful
    in support of me, keep up posting such articles.

  • October 24, 2023 at 6:36 am
    Permalink

    It’s truly very complicated in this busy life to listen news on TV,
    therefore I only use world wide web for that reason, and take the most recent news.

  • October 24, 2023 at 6:50 am
    Permalink

    Very nice article. I certainly love this site. Keep writing!

  • October 24, 2023 at 6:57 am
    Permalink

    Good post. I learn something totally new and challenging
    on websites I stumbleupon on a daily basis. It will always be exciting to read through content from other writers and use a little something from their websites.

  • October 24, 2023 at 7:02 am
    Permalink

    all the time i used to read smaller articles which as well clear
    their motive, and that is also happening with this paragraph which I am reading at this place.

  • October 24, 2023 at 7:20 am
    Permalink

    First off I would like to say excellent blog! I had a quick
    question which I’d like to ask if you don’t mind. I was interested
    to know how you center yourself and clear your
    mind prior to writing. I’ve had difficulty clearing my thoughts
    in getting my thoughts out there. I do take pleasure in writing however it just seems like
    the first 10 to 15 minutes are usually wasted just trying to figure out how to begin. Any ideas or tips?

    Appreciate it!

  • October 24, 2023 at 7:23 am
    Permalink

    It’s the best time to make some plans for the long run and it is time to be happy.

    I’ve read this put up and if I could I want to counsel you some attention-grabbing things or tips.
    Maybe you can write subsequent articles relating to this article.
    I wish to read even more things approximately it!

Leave a Reply

Your email address will not be published.