ASPCA Pet Health Insurance and Pumpkin both offer accident-and-illness plans with strong dental coverage, but they differ in deductible flexibility, age limits, and how they structure reimbursement. ASPCA leans toward customizable, low-deductible plans that accept pets of any age, while Pumpkin offers a simpler flat-rate structure with a strong focus on puppies, kittens, and preventive care. Here’s how the two compare.
Quick Comparison
| Feature | ASPCA | Pumpkin |
|---|---|---|
| Reimbursement rate | Choice of 70%–90% | Flat 90% |
| Annual limit | $5,000–Unlimited (plan-dependent) | $10,000–$20,000 |
| Lowest deductible | $100 | Higher minimum (varies) |
| Dental illness coverage | Included in Complete Coverage plan | Included, including periodontal cleanings |
| Max enrollment age | No upper limit | No upper limit specified |
| Preventive care | Optional wellness add-on | Optional Preventive Essentials pack |
| Claim filing window | 270 days | 270 days |
| Starting price (sample dog) | ~$33/mo | ~$35/mo |
Sample prices for a young, mixed-breed dog in a mid-sized U.S. city. Your actual quote will depend on your pet’s age, breed, location, and the deductible/reimbursement combination you choose.
How We Compared These Plans
This comparison is based on the publicly available plan documents, sample policies, and rate information published by ASPCA Pet Health Insurance and Pumpkin on their official websites, focusing on deductible flexibility, dental coverage, reimbursement structure, and how each handles enrollment for pets of different ages.
Where ASPCA Wins
Deductible flexibility. ASPCA offers deductibles as low as $100 — useful if you want to minimize your out-of-pocket cost per claim, even though it means a higher monthly premium. Pumpkin’s deductible options generally start higher.
No upper age limit, with low-deductible options for seniors. ASPCA accepts pets of any age and pairs that with its low-deductible options, which can be especially useful for senior pets likely to need frequent care.
Reimbursement choice. ASPCA lets you pick your reimbursement rate (70%–90%) to balance your premium against what you’ll get back per claim, while Pumpkin’s 90% rate is fixed (which is simple, but less flexible if you want a lower premium).
Where Pumpkin Wins
Flat 90% reimbursement. Every Pumpkin plan reimburses 90% after your deductible, regardless of tier — a simple structure that’s easy to understand and compare.
Preventive Essentials for puppies and kittens. Pumpkin’s optional wellness pack is specifically designed around the needs of new puppies and kittens — vaccines, wellness exams, microchipping, and a fecal test — making it a strong choice for owners of young pets.
PumpkinNow expedited claims. For claims of $500 or more, Pumpkin’s expedited service can deposit reimbursement into your bank account quickly — in some cases before you even leave the vet’s office.
Coverage and Exclusions
Both ASPCA and Pumpkin include dental illness coverage on their core plans, which is one of the stronger areas of overlap between the two — both will help cover periodontal disease treatment and related cleanings (subject to the condition not being pre-existing). Both also exclude pre-existing conditions and require a 14-day illness waiting period.
The key practical difference is annual limits: ASPCA offers unlimited annual coverage on its higher-tier plans, while Pumpkin caps out at $20,000 per year. If your pet is unlikely to need more than $20,000 in vet care in a single year, this difference may not matter much in practice — but for a worst-case scenario (major surgery plus ongoing treatment), ASPCA’s unlimited tier offers more headroom.
Which Should You Choose?
- Choose ASPCA if: you want a low deductible to minimize per-claim costs, you’re insuring a senior pet, or you want the option of unlimited annual coverage.
- Choose Pumpkin if: you have a puppy or kitten and want a preventive care pack designed for young pets, you prefer a simple flat 90% reimbursement rate, or fast claim payouts (PumpkinNow) matter to you.
Both providers offer solid dental coverage and 270-day claim windows, so this comparison often comes down to deductible preferences and annual limit needs. Get a personalized quote from each provider based on your pet’s age, breed, and location.
Frequently Asked Questions
Do ASPCA and Pumpkin both cover dental disease?
Yes. Both include dental illness coverage, including periodontal disease treatment and related cleanings, as part of their core accident-and-illness plans (as long as the condition isn’t pre-existing).
Which has a lower deductible, ASPCA or Pumpkin?
ASPCA offers deductibles as low as $100, which is lower than Pumpkin’s typical minimum deductible options.
Does Pumpkin offer unlimited annual coverage?
No. Pumpkin’s annual limits range from $10,000 to $20,000, while ASPCA offers unlimited annual coverage on its higher-tier plans.
Which is better for a new puppy or kitten?
Pumpkin’s Preventive Essentials add-on is specifically built around the needs of young pets — vaccines, wellness exams, and microchipping — making it a strong option for new puppy or kitten owners, though ASPCA’s wellness add-on covers similar ground.
Our Disclaimer
This article is for informational purposes only and does not constitute financial, veterinary, or insurance advice. We are not a licensed insurance agency, and nothing on this page should be taken as a guarantee of coverage, pricing, or claim outcomes. Pet insurance pricing, reimbursement rates, coverage limits, and exclusions vary by state, by pet, and change frequently — always review the official policy documents and get a personalized quote directly from the provider before purchasing a plan. We may earn a commission if you sign up for a plan through links on this page, at no additional cost to you. This does not influence our rankings or opinions, which are based on our independent research of publicly available plan information.
Last updated: June 2026.