Spot vs Pumpkin pet insurance
Short answer
Spot scores higher overall (9.4 vs 9.3), but the right pick depends on what matters to you. Both are underwritten by Independence American Insurance Company, so many terms are alike.
Excellent
How we score
Excellent
How we scoreHead to head
Accident cover starts
Tie
Both: 14 days
Illness cover starts
Tie
Both: 14 days
Knee & hip rule
Tie
Same rule in both policies
Cured conditions
Tie
Same rule in both
Dental
Tie
Similar dental terms
How widely used
Spot wins
Spot is more widely used, with far more customer reviews
Customer ratings
Pumpkin wins
Pumpkin is rated higher by its customers on public review sites
Side by side
Accident waiting period
Knee & hip (orthopedic) wait
Pre-existing conditions
Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).
Policy, p. 5Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).
Policy, p. 6Dental illness
Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness (Gold/Platinum preventive add-ons pay toward cleanings); aesthetic, endodontic and orthodontic work and root planing excluded.
Policy, p. 6Dental 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.
Policy, p. 7Annual limit options
Deductible
Maximum enrollment age
Choose Spot if…
- ✓ Spot is more widely used, with far more customer reviews
Choose Pumpkin if…
- ✓ Pumpkin is rated higher by its customers on public review sites
Common questions
Is Spot better than Pumpkin?+
Spot scores higher overall (9.4 vs 9.3), but the right pick depends on what matters to you. Spot is stronger on how widely used; Pumpkin on customer ratings.
Spot vs Pumpkin: accident cover starts?+
Both: 14 days.
Spot vs Pumpkin: illness cover starts?+
Both: 14 days.
Spot vs Pumpkin: knee & hip rule?+
Same rule in both policies.
Spot vs Pumpkin: cured conditions?+
Same rule in both.
Spot vs Pumpkin: dental?+
Similar dental terms.
Spot vs Pumpkin: how widely used?+
Spot is more widely used, with far more customer reviews.
Spot vs Pumpkin: customer ratings?+
Pumpkin is rated higher by its customers on public review sites.
More comparisons
Based on sample policy documents retrieved 2026-11-09. Terms vary by state. Not insurance advice.