Head-to-Head
ASPCA vs Pumpkin
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Pumpkin |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | ASPCA | Pumpkin |
|---|---|---|
| Small (young) | $25–$50/mo | $28–$55/mo |
| Medium (young) | $35–$65/mo | $38–$72/mo |
| Large (young) | $45–$85/mo | $48–$95/mo |
| Brachycephalic | $50–$95/mo | $55–$110/mo |
| Large (senior) | $60–$120/mo | $68–$135/mo |
Plan flexibility
| Option | ASPCA | Pumpkin |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 90% |
| Annual limits | $5000, $10000, Unlimited | $10000, $20000, Unlimited |
Waiting periods
| Type | ASPCA | Pumpkin |
|---|---|---|
| Accidents | 14 days | 14 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Pumpkin
✓ Excellent preventive care add-on (Pumpkin PupPack)
✓ 90% reimbursement standard
✓ Dental illness coverage included
✓ Comprehensive coverage including behavioral
✓ No upper age limit
✗ Only 90% reimbursement available
✗ 14-day accident waiting period
✗ 6-month cruciate wait
✗ Preventive care is extra cost add-on
✗ Limited deductible options
Frequently asked questions
Which is better, ASPCA or Pumpkin?
Pumpkin has a higher overall rating. ASPCA scores 4.2/5 while Pumpkin scores 4.3/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Pumpkin?
For a medium-sized young dog, ASPCA costs $35–$65/month while Pumpkin costs $38–$72/month. ASPCA is generally more affordable.
Which has better coverage, ASPCA or Pumpkin?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Pumpkin takes 10 days. Review the coverage table above for detailed feature-by-feature differences.
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