Spot vs. Pumpkin Pet Insurance: Which is Better?

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If your pet suffers an unexpected accident or illness, it could lead to pricey vet bills. So pricey in some cases, that treatment may be unaffordable, leaving both you and your pet in a difficult situation.

To avoid these uncomfortable situations, a growing number of pet owners are turning to pet insurance. Two companies offering this type of financial protection include Spot and Pumpkin. In this Spot vs. Pumpkin comparison, you’ll find out what each company covers, which is best for different situations, and which we picked as our choice between the two.

In this comparison:

Spot vs. Pumpkin: At a glance


*$7,000 or $15,000 for cats & $10,000 or $20,000 for dogs

Does Spot or Pumpkin offer better coverage?

Spot and Pumpkin policies are underwritten by the United States Fire Insurance Company. For this reason, you’ll find that the inclusions and exclusions of their policies are nearly identical. Here are some things that are and are not covered by each company.

  Spot Pumpkin
Accidents Yes Yes
Alternative therapy Yes Yes
Behavioral issues Yes Yes
Boarding No No
Breeding No No
Cancer treatment Yes Yes
Chronic conditions Yes Yes
Congenital conditions Yes Yes
Cosmetic procedures Yes Yes
Dental illness Yes Yes
End of life expenses Yes Yes
Exam fees Yes Yes
Experimental treatment No No
Hereditary conditions Yes Yes
Illnesses Yes Yes
IV fluids and medications Yes Yes
Microchip implementation Yes Yes
MRI, CT scans, or X-rays Yes Yes
Pre-existing conditions Only if curable Only if curable
Prescription food Yes* Yes*
Prescription medications Yes Yes
Supplements Yes* Yes*
Surgery and hospitalization Yes Yes
Tooth extractions Yes Yes

*Only to treat covered conditions.

Are policies from Spot or Pumpkin more affordable?


Through each company’s free online quote tool, we received several quotes to compare the cost of different policies. When policy details are the same, the cost of coverage is identical between the two companies. The only difference is that Spot offers a broader selection of terms and an accident-only plan that can lead to cheaper policies.

Here are the monthly prices for several quotes we requested.

Quote one: An eight-week old male Labradoodle in New Jersey

The policy details for the following quote included a $10,000 annual benefit limit, $500 annual deductible, and 90% reimbursement rate.

Policy Spot Pumpkin
Accident & illness $46.95 $46.95
Accident-only $32.49 Not available
Wellness add-on $9.95 or $24.95 $18.95

Quote two: A two-year old male Golden Retriever in New Jersey

The policy details for the following quote included a $10,000 annual benefit limit, $250 annual deductible, and 80% reimbursement rate. Note: Pumpkin only offers a 90% reimbursement rate, so a quote could not be given for this type of policy.

Policy Spot Pumpkin
Accident & illness $77.26 Not available
Accident-only $36.73 Not available
Wellness add-on $9.95 or $24.95 Not available

Quote three: A four-year old female Persian in North Carolina


The policy details for the following quote included a $7,000 annual benefit limit, $500 annual deductible, and 90% reimbursement rate.

Policy Spot Pumpkin
Accident & illness $35.02 $35.02
Acident-only $14.67 Not available
Wellness add-on $9.95 or $24.95 $18.95

Quote four: A one-year old female Persian in North Carolina

The policy details for the following quote included a $7,000 annual benefit limit, $500 annual deductible, and 70% reimbursement rate. Note: Pumpkin only offers a 90% reimbursement rate, so a quote could not be given for this type of policy.

Policy Spot Pumpkin
Accident & illness $22.92 Not available
Accident-only $11.21 Not available
Wellness add-on $9.95 or $24.95 Not available

Scenarios in which Spot or Pumpkin are better than the other

With coverage and pricing being so similar, it’s important to compare different scenarios to see which company is better than the other. Here are some scenarios where Spot and Pumpkin differ, to help you determine which is the best for your needs.

If you want to customize your policy: Spot

The ability to customize your policy is common amongst pet insurance companies, but some offer more options than others. With these two companies, Spot is the clear choice for those who want to have the most control over their policy details.


One benefit of having the ability to customize your policy is that you can adjust the deductible, reimbursement rate, or coverage limit to find a price that fits your budget.

If you want unlimited coverage: Spot

Some pet owners enjoy the peace of mind of knowing that regardless of the cost of care required to treat their pet, they won’t reach a benefit limit that restricts the provider from continuing to reimburse the owner for those costs.

This is where the benefit of having an unlimited cap on your coverage comes in. There are no set limits on the costs of care and you’ll be reimbursed at the same percentage regardless of price.

Spot should be your choice in this scenario as Pumpkin does not offer this option for either dogs or cats.

If a wellness plan is a priority: Pumpkin

Spot and Pumpkin each offer wellness plans that can reimburse you for routine care, such as wellness exams, vaccinations, blood and fecal tests, and more. Pumpkin is our choice for those prioritizing a wellness plan because it covers the entire cost of eligible items. Other providers, like Spot, only reimburse you up to a set annual limit.

If you want an accident-only policy: Spot


There are two main pet insurance plans commonly offered by providers, an accident and illness policy or an accident-only policy. The primary difference between the two is that an accident-only policy does not cover veterinary care caused by illness, such as cancer, chronic conditions, and genetic conditions.

Accident-only policies are also generally cheaper than an accident and illness policies since they cover less items.

If you’re interested in considering this type of plan, Spot should be your choice. This is because Pumpkin does not offer an accident-only plan.

If you expect to travel to Canada: Pumpkin

For U.S. residents who frequently spend time in Canada with their pet, it’s good to know that Pumpkin allows policyholders to visit any licensed veterinarian, specialist, or emergency clinic in both the United States and Canada. Spot, unfortunately does not offer coverage in Canada.

If you value customer reviews: Spot

With any financial product, taking note of reviews from other customers can help you better understand the company, the service it offers, and the quality of its product. If you value what customers have to say, then Spot is an excellent option. As of April 9, 2021, Spot has a 4.4 out of 5 on Trustpilot, with over 415 reviews.


Unfortunately, Pumpkin doesn’t have any user reviews at this time.

Which company is our choice between Spot and Pumpkin?

The customizability of terms, positive customer reviews, and comparison of different scenarios led us to select Spot as our choice between these two providers.

We value companies that offer maximum customization of their policies because each pet owner’s situation and needs are unique to them. So being able to adjust the terms to find a price that fits your budget is important. We were also able to see that Spot has received plenty of positive reviews from those who have already taken out a policy, a strong indicator of a good product.

Interested in getting a personalized quote from Spot? Visit its website for a free quote.

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