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%.
But the main difference is how they pay claims. Paw Protect helps you to pay covered vet bills upfront: while you’re at the vet, simply call Paw Protect and we’ll send you the money for our share of the covered vet bill immediately – straight to your bank account. With Pumpkin, you’ll have to pay the whole bill upfront and then wait to get reimbursed.
Here’s how the two insurers compare in more detail:
 |  | |
|---|---|---|
| Can pay vet bills upfront | ||
| 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% |
| Illness coverage start | 14 days | 14 days |
| Maximum age at sign-up | Coverage (14 years) and Accident only (14+ years) | 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 |
