ASPCA vs Pumpkin pet insurance

14 days

14 days (Pumpkin says it can be shorter in some states)

14 days

14 days

14 days (ligament and knee conditions; no separate longer orthopedic period)

14 days (ligament and knee conditions; no separate longer period)

Excluded. Curable conditions cured and free of treatment and symptoms for 180 days become a new occurrence (not ligament/knee) (from a 2020 sample form; newer forms may be stricter on chronic conditions).

Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).

Dental disease is not named as its own benefit; covered under general illness. Tooth extractions are a listed benefit; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.

Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.

Dogs $5k/$10k/$20k/unlimited; cats $5k/$7k/$15k/unlimited

Annual deductible; amount options not stated in policy

Annual. Options not in policy.

No upper age limit