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 options | 70%, 80%, 90% | 90% |
Coverage start | 2 days accident, 14 days illness | 14 days |
Maximum age at sign-up | 14 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 |