Paw Protect vs Pumpkin

Paw Protect vs Pumpkin: Verdict

Paw Protect and Pumpkin are two fairly new companies in the pet insurance space. You get a little more flexibility with Paw Protect’s three choices of 70%, 80% and 90% reimbursement percentages, while Pumpkin’s is fixed at 90%. Paw Protect also offers a 24/7 pet telehealth line.

Here’s how the two insurers compare in more detail:

Annual coverage options$5000, $10,000, Unlimited$10,000, $20,000, Unlimited
Deductible options$100, $250, $500$100, $250, $500, $1,000
Reimbursement options70%, 80%, 90%90%
Coverage start14 days14 days
Maximum age at sign-up5 years accident and illnessNo maximum
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Pumpkin: Claims process

Paw Protect and Pumpkin operate like traditional pet insurance companies here, meaning you pay the bill up front, then claim and wait for it to be processed before getting your money back. Both have a good reputation for timely and efficient processing and payment.

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