Trupanion vs Pumpkin Pet Insurance

Comparing pet insurance plans can be overwhelming. That’s why we’ve done some of the hard work for you by putting together this detailed Trupanion and Pumpkin pet insurance comparison. Ready to learn some of the main differences between these providers and which one may be the better choice for your pet and your wallet? Let’s go!

How Trupanion and Pumpkin compare

Plan features



Unlimited payuts

right-iconOne simple plan with no caps or limits on what is paid out for eligible pet medical costs

right-iconOne unlimited option if higher premium is selected. Limited options for lower premiums.

Vet Direct Pay

right-iconCan pay participating hospitals directly at checkout

right-iconNo automatic process to pay veterinarians directly at checkout.

No birthday pricing

right-iconNo rate increases just because your pet has a birthday

right-iconMay automatically increase rates every year due to pet aging, in addition to other adjustments

24/7 live support

right-iconCustomer care available 100% of the week

right-iconLive customer service available Monday - Friday 8 a.m. - 8 p.m., EST

Flexible deductible

right-iconPick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000

right-iconJust three deductible options ($100, $250, $500) that reset annually

Trupanion has unlimited payouts. Pumpkin makes you choose

Both Trupanion and Pumpkin offer unlimited payouts. However, this doesn’t mean they’re the same experience. Trupanion has one simple plan where everybody enjoys unlimited payouts for eligible pet medical costs, no matter how many times your pet needs care or how much treatment they need.

Pumpkin’s unlimited option is only available to members who opt for their highest premium cost. For those who do not, they also offer plans that max out at $15,000 for cats and $20,000 for dogs.

Trupanion can pay veterinarians directly at checkout. Pumpkin cannot

Pumpkin has a vet direct pay option, but they cannot pay your bill at checkout from your pet’s appointment. Instead, you can request that your vet clinic be reimbursed directly after filing a claim with Pumpkin (this is only possible if the hospital allows delayed payments). Like almost all pet insurance providers, Pumpkin’s other option is to pay your veterinary bill upfront, then submit a claim and wait to get reimbursed personally.

Trupanion is the only provider that can pay its portion of your bill directly to the hospital at time of checkout from your pet’s appointment — often in just seconds. You can go to any veterinary hospital (including emergency and specialty care) you like with Trupanion, though it’s worth noting not all are set up for direct payment. Even so, most claims in these cases are still processed within 24 hours.

Don’t want to wait to get your vet bills paid? It’s easy to find a hospital that’s set up for Trupanion’s Vet Direct Pay.

Trupanion won’t raise rates due to pet aging. Pumpkin might

The majority of pet insurance companies will raise your coverage rate simply due to your pet getting older. Pumpkin is no exception to this practice, known as “birthday pricing.” Though birthday pricing may not affect your rate every single year, it is likely to happen multiple times over the duration of your pet’s life, regardless of whether you filed a claim. Birthday pricing is often in addition to economic inflation and other pricing increase factors.

Trupanion is one of the only pet health insurance providers that does not practice birthday pricing. While your cost with can still change over time due to things like inflation and fluctuating veterinary costs, Trupanion will never increase it just because your pet gets older.

Trupanion offers 24/7 live support. Pumpkin has limited hours

You never know when your pet is going to become ill or injured, just as you never know when you may have questions about your coverage. Unfortunately, Pumpkin only offers live call support Monday through Friday from 8 a.m. to 8 p.m., EST. They also offer live chat, but only from 9 a.m. to 5 p.m. on weekdays. They are closed on weekends.

Trupanion meanwhile offers live support every hour of the day, seven days a week, every day of the year (including holidays) and is available both via phone and online chat.

Deductibles: more options with Trupanion than Pumpkin

Having a deductible that fits your budget is important, as this is the amount you are responsible for paying before coverage kicks in. Trupanion puts the power in your hands by letting you choose the deductible that works best (anywhere from $0 to $1,000). Trupanion’s deductible is also lifetime per condition, which means you only need to meet it once for each covered injury or illness. After that, your pet is covered for that condition for life.

Pumpkin meanwhile has only three deductible options: $100, $250, and $500. While not per condition, the Pumpkin deductible is annual, which means you’ll have to meet it every year in order to get coverage.

Why choose Trupanion over Pumpkin?

Compared to Pumpkin, Trupanion may be a better fit for you and your pet for multiple reasons:

  • Trupanion has one simple plan with unlimited payouts whereas Pumpkin has multiple plans and unlimited payouts only available at the highest premium cost.

  • Trupanion is the only pet health insurance provider that can pay veterinarians directly at checkout, often in seconds. Pumpkin can pay certain vet clinics directly, but only after you file a claim requesting veterinary reimbursement.

  • Pumpkin may raise your pet’s cost simply due to aging, like most other pet insurance providers. Trupanion does not practice birthday pricing.

  • Trupanion offers 24/7/365 live support, whereas Pumpkin has specific business hours, all in EST.

  • Trupanion has more deductible options that you only have to pay once per condition for the life of your pet.

Discover why veterinarians recommend Trupanion.

Explore more pet health insurance comparisons

puppy with vet

#1 in America, chosen by veterinarians

Survey commissioned by dvm360, from 3/30-5/1/2023. Read more.

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