Pumpkin vs Healthy Paws: Side By Side Comparison With A Clear Winner

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

2 dogs staring at each other in the grass (Caption: Pumpkin vs Healthy Paws logos)

Pumpkin Pet Insurance is quickly creating some buzz with its extensive coverage and plan customization options. But how does it compare against Healthy Paws, a stable pet insurance provider with a great reputation? We put them head to head to choose a clear winner for most pet owners.

We compare coverage, customer service and reputation, claim processing, pricing, and customizations and explain which company we think is better in most cases. But, remember that each pet and household budget varies, so obtaining quotes from multiple companies for your unique situation can help ensure that you get the best policy and price to meet your needs.

Visit Pumpkin’s Website | Visit Healthy Paws’ Website

PumpkinHealthy Paws
Policy CoverageExtensiveMore Limited
Customer Service & ReputationUncertain, NewExcellent, Stable
Claim Processing Average14-28 Days2 Days
Price Of Policy (avg)HigherVaries
Plan CustomizationsRestricted OptionsRestricted Options
Overall WinnerOrange X (No or Not)Brown checkmark (Yes)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows precisely what Pumpkin and Healthy Paws cover.

Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

PumpkinHealthy Paws
Illness Waiting Period14 Days15 Days
Accident Waiting Period14 Days15 Days
Hip Dysplasia Waiting Period14 Days12 Months
CCL Surgery Waiting Period14 Days15 Days
Behavioral TherapiesBrown checkmark (Yes)Orange X (No or Not)
Alternative/Holistic TherapyBrown checkmark (Yes)Orange X (No or Not)
Wellness Care For An Extra FeeBrown checkmark (Yes)Orange X (No or Not)
Exam FeesBrown checkmark (Yes)Orange X (No or Not)
UnderwriterUnited States Fire Insurance CompanyWestchester Fire Insurance Company/Chubb
A.M. Best RatingAA++

Pumpkin Pet Insurance comes out ahead because it offers coverage for behavioral therapies, wellness items, exam fees, and alternative/holistic therapy. Pumpkin also has shorter waiting periods for hip dysplasia. Otherwise, the two have nearly identical waiting periods (14 days as opposed to 15 days).

Pumpkin’s underwriter has an A rating from A.M. Best (a measurement of financial stability). This means that it is considered slightly less stable than Healthy Paws (which has an A++ rating) regarding the dependability of claim repayment. Additionally, Healthy Paws has been in business for 11 years longer than Pumpkin, so it has more experience paying out claims.

Pumpkin pet insurance logo

Ultimately, Pumpkin is the winner of this category because it provides more thorough coverage and excludes fewer health conditions; however, this is a close race due to Healthy Paws being in business longer with a strong customer experience reputation (read more below).

Policy Coverage Winner: Pumpkin

Customer Service & Reputation

Person holding phone next to dog (Caption: Customer Service & Reputation Winner)

Pumpkin is new to the pet insurance space, starting up in 2020. And from the customer reviews we’ve seen, there are many complaints regarding pricing, cancelation difficulties, lengthy claim processing periods, and more. It can take years for a company to stabilize its performance and pricing, and it appears that Pumpkin is still working through these challenges.

Meanwhile, Healthy Paws has one of the best reputations in the pet insurance business. It introduced many things to the industry, including being the first company to offer unlimited claim payouts. However, in recent years, it hasn’t led the charge in innovation.

The majority of Healthy Paws’ complaints center around its customers’ misunderstanding of what is covered and excluded in their policy. Unfortunately, this is common among all pet insurance companies, so we encourage you to read your policy in its entirety before signing up.

Healthy Paws logo

Customer Service & Reputation Winner: Healthy Paws

Claim Processing

Doctor's office papers (Caption: Timeliness Of Claim Repayment)

Pumpkin states it processes claims in two to four weeks. This is much longer than most of its competition. The majority of companies average fewer than ten days. Healthy Paws pays most of its claims within two days, which is among the fastest you will find.

Healthy Paws also offers an option to have them pay your vet directly, so you aren’t required to pay a hefty vet bill in advance and wait for reimbursement. However, this isn’t available everywhere, so check with your vet to see if this is an option for you.

Because Healthy Paws has a much shorter claim processing average and may offer a direct payment option to your vet, it wins this category.

Healthy Paws logo

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money (Caption: Price Of Policy)

Healthy Paws requires a one-time enrollment fee of $25 but has no monthly transaction fees. Pumpkin has a monthly transaction fee of $2 but no one-time sign-up fee. In just over a year of coverage, you will be nearly at breakeven with the two companies ($25 vs $24 ($2 x 12 months)), but Healthy Paws will charge fewer extra fees if you stay on longer.

Pricing is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your actual pet.

Healthy Paws tends to offer some of the most affordable coverage for unlimited claim payouts. Meanwhile, Pumpkin is among the most expensive, on average.

Healthy Paws logo

Price Of Policy Winner: Healthy Paws

Coupons

Pumpkin

Pumpkin offers the following discount:

  • 10% off for multiple pets

No promo code is needed. Use this link to take advantage of the best possible price.

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

One of the significant differences between these two companies is the plan customizations they offer. Pumpkin offers several customizations, so you can adjust your policy to fit your budget.

  • Annual payout options for dogs: $10,000, $20,000, and unlimited
  • Deductibles: $100, $250, and $500
  • Reimbursement: 90%
  • Add-on wellness plan is available for preventative care

On the flip side, Healthy Paws offers fewer customizations. They have unlimited payouts for all plans and some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible
Pumpkin pet insurance logo

Overall, Pumpkin has more customization options than Healthy Paws, which may make it a better, more flexible fit for your budget.

Plan Customization Winner: Pumpkin

What’s Our Verdict?

In the end, Healthy Paws wins this comparison against Pumpkin due to its longstanding reputation, faster claim processing, and lower pricing. However, if you want coverage for your pet’s wellness-related expenses or more customization options, you may want to consider Pumpkin.

Healthy Paws logo

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of Pumpkin and Healthy Paws.

Overall Winner: Healthy Paws

Our pet insurance experts have spent hundreds of hours researching to share our comprehensive and frequently updated pet insurance reviews, including our top picks along with details on the most popular pet insurance companies.

If you prefer to see winners by category, check out our best pet insurance comparison. We give awards for the best price, multi-pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for cats and exotic pets (i.e., rabbits, guinea pigs, birds, etc.).

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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