Paw Protect vs Pumpkin

Paw Protect vs Pumpkin: Verdict

The biggest difference between these two insurers is that Paw Protect offers customers an optional $2,000 interest-free line of credit to help pay vet bills* up-front without the customer having to use their own money, through a virtual Visa card from Paytient. With Pumpkin, you have to pay vet bills yourself, then claim the money back.

You get a little more flexibility with Paw Protect’s three choices of 70%, 80% and 90% reimbursement percentages. 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:

Pet insurance without paying vet bills* up-front
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 start2 days accident,
14 days illness
14 days
Maximum age at sign-up14 years accident and illness,
15+ accident only
No 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

This is where Paw Protect is different. Paw Protect offers you an optional $2,000 interest-free line of credit, through a virtual Visa card from our partners at Paytient, to pay covered vet bills.*

  • If approved for Paytient, and if your bill is under $2,000 (the majority are), you don’t have to pay anything up-front
  • To claim, just submit the claim online, by email or through the mail. You’ll be reimbursed a few days later, minus  your deductible and copay
  • Use your reimbursement to pay down your Paytient balance. Need more time to pay your deductible and copay? Pay off any remaining out-of-pocket costs over up to 12 months interest free with Paytient

With Pumpkin, you pay the bill up front, then claim using its online portal or by email and wait for your claim to be processed before getting your money back. It has a good reputation for timely and efficient processing and payment.

Panting dog