Pet Insurance

Pumpkin vs Nationwide: A Clear Winner In This Comparison


Last Updated: March 18, 2024 | 5 min read | Leave a Comment

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

When you purchase through links on our site, we may earn a commission. Here’s how it works.

After extensive research, I recommend Nationwide over Pumpkin to most pet parents. There are some unique exceptions where I suggest Pumpkin. However, after comparing coverage, customer service and reputation, claim processing, pricing, and plan customizations, I’ve determined Nationwide to be the more robust insurer among these two companies.

Two Golden Retrievers running outside chasing each other.

But each pet is unique, and what works for one may not work for another. This is why I always recommend obtaining quotes from multiple insurers to ensure you’re purchasing the best pet insurance policy to meet your needs and price.

Policy CoverageExtensiveExtensive
Customer Service & ReputationUncertain, NewGood
Claim Processing Average14-28 Days4 Days
Price Of PolicyHigherLower
Plan CustomizationsRestrictedRestricted
Overall WinnerBrown checkmark (Yes)
Get Pumpkin QuoteGet Nationwide Quote

Alternatives To Pumpkin & Nationwide

Don’t like the stats you’re seeing above? Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies or get multiple pet insurance quotes.

Policy Coverage

Policy Coverage Winner

The table below shows precisely what Pumpkin and Nationwide 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.

Illness Waiting Period*14 Days14 Days
Accident Waiting Period*14 Days14 Days
Hip Dysplasia Waiting Period*14 Days14 Days
CCL Surgery Waiting Period*14 Days12 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)Brown checkmark (Yes)
Wellness Care For An Extra FeeBrown checkmark (Yes)Brown checkmark (Yes)
Exam FeesBrown checkmark (Yes)Brown checkmark (Yes)
UnderwriterUnited States Fire Insurance CompanyNational Casualty Company
Veterinary Pet Insurance Company (California only)
A.M. Best RatingAA+

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

At a glance, it may appear that Pumpkin and Nationwide offer similar, detailed coverage. However, there are some things you’ll want to be aware of before making your decision. First, some of Nationwide’s pet insurance policies use a benefit schedule. This is different than any other pet insurance policy.

A benefit schedule outlines the maximum coverage amount you should expect to be reimbursed per incident when you make a claim. This is different from other pet insurance companies (like Pumpkin), where the claim repayment calculation is based on your vet’s receipt, and thus, the amount you paid your vet vs a figure reflected in the benefits schedule that may not cover what you paid.

Another key deciding factor for you may be the age restrictions attached to Nationwide, which doesn’t enroll pets older than 10.

One thing Nationwide has going for it is that it doesn’t list any bilateral exclusions for CCL injuries. Many other pet insurance companies we review exclude CCL injuries if one leg has experienced pre-existing issues. This makes Nationwide a good option for those of you with dogs with pre-existing knee conditions because they’re more likely to cover a second, currently healthy knee than their competitors. However, it’s always important to read your contract carefully because the sample policies we’ve examined may differ from yours.

In the end, Nationwide’s coverage for bilateral conditions tips the scale in its favor. But Pumpkin may be a good fit for you if your dog is older than ten.

Customer Service & Reputation

Customer Service & Reputation Winner

Pumpkin, founded in 2020, has many customer complaints regarding conditions flagged as pre-existing, rude staff, denying claims, and more. This frustrates customers because they purchase a policy expecting certain things to be covered and reimbursed but feel disappointed by what they get when they need Pumpkin the most.

Nationwide is the largest pet insurance provider, and finding negative reviews for Nationwide isn’t too tricky. According to feedback from our readers, consumer complaints about Nationwide include its benefit schedule not having enough coverage, not paying out claims, low claim reimbursements, being told false information about coverage, high premiums, and more.

In the end, Nationwide wins this category because of its massive customer base and decades of experience compared to Pumpkin. The ratio of negative reviews for Nationwide is better than Pumpkin’s.

Claim Processing

Claim Processing Winner

Nationwide allows 30 days to process its claims but averages four days. A four-day claim process is among the fastest in the industry.

Pumpkin averages 14 to 28 days for claim processing. This is among the companies that take the longest to process claims. Because of Nationwide’s shorter claim processing average, it wins this category.

Price Of Policy

Price Of Policy Winner

Pumpkin has customizable plans with no enrollment fees and a $2 transaction fee for each payment. Meanwhile, Nationwide has four different plans, but not all are available for each dog. Nationwide has no enrollment fee but charges a $2 transaction fee, which can add up over time.

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. 

On average, Nationwide has some of the lowest premiums, while Pumpkin’s prices tend to fall in the middle but are occasionally among the most expensive. Nationwide is the winner here due to premiums that are typically lower than Pumpkin.

Remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost you. You can use our pet insurance quote form below to get multiple company quotes when you complete this one-quick form.



Pumpkin offers the following discount:

  • 10% off for multiple pets

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


Nationwide Pet Insurance offers the following discounts: 

  • 5% off for 2-3 pets covered
  • 10% off for 4 or more pets covered

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

Plan Customization

Plan Customization Winner

Nationwide offers four different plan options: Whole Pet, Whole Pet With Wellness, Major Medical, and Major Medical With Wellness. The two Whole Pet plans are similar to other pet insurance plans in that they reimburse a percentage of what you paid the vet for treatment. The two Major Medical plans use a benefit schedule that outlines the maximum amount you can expect as reimbursement for any given condition or treatment, regardless of what your vet charges you.

Pumpkin’s plans are similar to Nationwide’s Whole Pet plans, where the policyholder can customize their coverage. However, Pumpkin only offers 90% reimbursement for its plans.

Below are the options from each company. As you can see, Nationwide has more options than Pumpkin.

Deductible Options$100, $250, $500, and $1,000$100, $250, $500
Payout Options$10,000, $20,000, and unlimitedLimited Per Condition, $5,000, unlimited
Reimbursement Options90%50%, 70%, 80%, 90%
Optional Wellness PlanBrown checkmark (Yes)Brown checkmark (Yes)
Accident-Only Plan

What’s The Verdict?

Overall Winner

Nationwide wins in this comparison against Pumpkin. Nationwide is the longest-standing pet insurance company with a faster claim processing average and lower pricing. However, if your dog is older than ten, it’s worth getting a quote from Pumpkin.

If you didn’t find what you were looking for in this comparison, our experts have gone in-depth with individual reviews of Pumpkin and Nationwide.

Our experts have spent thousands of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks, along with details on each of the most popular pet insurance companies. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet insurance search.

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.

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.

Notify of
Inline Feedbacks
View all comments
Scroll to Top
Send this to a friend