Pumpkin vs Healthy Paws – Which Is the Best Pet Insurance Company?

Pumpkin vs Healthy Paws: Which Is the Best Pet Insurance Company?

Are you looking for the best pet insurance? Choosing the right care partner for your pet's medical needs is a critical part of being a responsible pet owner. 

There are dozens of healthcare providers online, but which is the best choice for your pet? The last thing you need is a large vet bill staring you in the face after an emergency with your animals.

In this review of Pumpkin Vs Healthy Paws, we'll unpack the companies offerings to see which is the better health insurance option for your animals.

Pumpkin vs Healthy Paws – The Verdict

If you're going to choose a medical insurance policy for your pets, we recommend going with Pumpkin pet insurance. This company has a superior offering, allowing you to tailor your pet's healthcare needs to your policy. 

Pumpkin is slightly more expensive than Healthy Paws, but you get all the coverage benefits you need for scans, X-rays, rehabilitation, and physical therapy.

With Pumpkin, you get comprehensive medical insurance for your pet and the option to use any vet service in the United States.

What Is Healthy Paws Pet Insurance?

Founded in 2009 by Steve Siadek and Rob Jackson, Healthy Paws is one of the world's leading pet insurers. The company relies on a simplistic approach to pet healthcare, offering you one policy plan option to cover all your pet's medical needs. 

Healthy Paw Pros and Cons


  • One Plan policy covers all your pet's medical needs.
  • Unlimited payouts.
  • Coverage for physiotherapy and rehabilitation.


  • No option for choosing a cheaper policy.

  • Policy amount includes preventative care your pet might not need.
  • Enrolment of animals over 6-years limits benefits.

What Is Pumpkin Pet Insurance?

Pumpkin pet insurance is a subsidiary of Zoetis Inc, one of the biggest international conglomerates providing pet vaccines and drugs. Pumpkin focuses on providing a tailored insurance solution for your pets without making you waste extra money on medical coverage you don’t need.

Pupbox Pros and Cons


  • Flexible coverage options for your pet insurance.
  • Preventative care covered in your policy.
  • Annual deductible.
  • 10% discount on other family pets joining Pumpkin.
  • No upper age limit for enrollment.
  • 10/10 rating as the best pet insurer on Buyersguide.org.


  • Pricing varies depending on your choice of deductible, your pet, and your zip-code.

Pumpkin vs Healthy Paws: Comparing the Competition

How do Pumpkin and Healthy Paws stack up against the competition? Let's review the two policy plans from Pumpkin against leading insurers in the pet care industry.

Pumpkin vs Trupanion

Trupanion is another leading pet healthcare company focusing on affordable healthcare for your pets. However, there are several reasons why we think Pumpkin is the better choice for your pet's healthcare needs. 

First, Pumpkin offers you an annual deductible, while Trupanion only gives you a "per condition" deductible. A yearly deductible makes it easier to plan your budget, and your pet receives the same level of care regardless of its health status. 

Trupanion doesn't cover your pet for any exam fees, and you'll have to pay them out-of-pocket. Pumpkin covers all these medical costs. Pumpkin also covers all illnesses, including preventable conditions. 

If your pup comes down with parvovirus or heartworm, Pumpkin has you covered, while Trupanion turns you away. 

Pumpkin also won't charge you for other aspects of your pup's healthcare you're unlikely to use. Set payment limits t suit your budget, and get the premium you can afford.

ASPCA vs Healthy Paws

ASPCA is another top-quality pet insurance company servicing the American market. ASPCA offers you different policy tiers to suit your pet's medical requirements. However, with ASPCA, you might find the policy information and terms confusing.

It's challenging to figure out what the coverage entails, and the premiums are somewhat more expensive than options like Pumpkin, Healthy Paws, and Spot pet insurance. 

The last thing you need to find yourself dealing with a large co-payment you didn't expect after a vet treats your animals for an injury or life-threatening illness. With ASPCA, it's hard to determine your policy terms and where you need to increase your cover. 

With Healthy Paws, you get a cleaner deal. Healthy Paws has one policy plan that covers all your pet's healthcare needs. You get all preventative and emergency care included in your monthly premium, with unlimited payout caps.

Spot vs Pumpkin Pet Insurance

Spot Pet Insurance is a newbie in the pet insurance market. However, it has a solid reputation thanks to its affiliation with Cesar Milan, the companies chairman and the Dog Whisperer reality show host. 

Spot offers you comprehensive coverage for your pet emergencies and preventative care for your animals. There's a minimal waiting time of a few days to get the cover you need, and Spot has no payout limitations. 

With Spot insurance, your pets get cover for a wide range of medical conditions and emergencies, such as medication, accidents, diagnostics, and exams. Spot also offers you preventative plans for vaccinations, deworming, dental cleaning, and more. 

Pumpkin pet insurance gives you all the same advantages as Spot, but you get a flexible coverage choice to suit your needs and budget. There's no need to pay for aspects of medical care your dog or cat might never use. 

With Pumpkin, you get a tailored offering. You also get better policy premiums for the quality of cover than Spot pet insurance.

Pumpkin Vs Healthy Paws – What Is the Policy Cost?

Healthy Paws and Pumpkin both rely on a zip-code model to establish a risk profile for your pet. Your policy cost varies depending on where you live in the United States. 

However, with Pumpkin, you get more variation on your policy options. You have options for setting coverage to a $10,000 or $20,000 limit for dogs and $7,500 or $15,000 of cover for your cat. As a result, you don't end up spending money for coverage you never use. 

With Healthy Paws, there's only one policy option called the "One Plan." You get all your coverage included, with unlimited payment caps. Healthy Paws also consists of all preventative care under the umbrella policy, and you never have to spend a cent for your pet's medical care.

With Pumpkin, you get access to preventative care and medical emergencies and generous caps that care for your pet's health problems.

Frequently Asked Questions

What does Pumpkin Pet Insurance cost?

Pumpkin pet insurance doesn't have a set fixed premium like Healthy Paws. The company realizes your pet's risk profile is different depending on your location in the United States. As a result, Pumpkin tailors your premium to your region and risk profile.  Pumpkin also offers you the option of choosing the coverage threshold for your pet. Dogs have the option of a $10,000 or $20,000 limit, while cats have choices for $7,500 or $15,000 of coverage.

Does Healthy Paws cover physical therapy?

Healthy Paws covers all your pet's medical expenses through its "One Plan" policy. There are no limits on payout caps, and your animal gets the attention they need, without it costing you a cent more than your monthly premium.  There are no waiting times with Healthy Paws, and you get comprehensive cover for your furry friends.

Does Healthy Paws cover rehabilitation?

Yes, the Healthy Paws "One Plan" covers all your pets rehabilitation needs without costing you any extra. Healthy Paws give your pets comprehensive medical cover for all life's unexpected circumstances. The cover includes all costs for X-rays, CT, and MRI scans.

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