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Metlife vs. Pumpkin

COMPARISONS

MetLife Pet Insurance vs. Pumpkin

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Finding the best pet insurance for you and your pets can mean doing a lot of research. We want to make this process easier by providing information to help you compare your options. Read on to see how MetLife Pet compares to Pumpkin and some of the ways we may stand out.

Compare Pumpkin Pet Insurance vs. MetLife Pet**

Here’s a glance at how some of the MetLife Pet Insurance policy provisions compare with those of Pumpkin.¹

MetLife Pet’s Plan vs. Pumpkin’s Plan

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Pumpkin Pet Insurance
Family Plan²	Yes	No
0-Day Accident Waiting Period³	Yes	No
Grief Counseling⁴	Yes	No
Includes All Ages and Breeds⁵	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes
Add-on Wellness and Preventive Care	Yes	Yes
Add-on Dental Cleaning and Care	Yes	Yes
Add-on Spaying/Neutering	Yes	Yes
24/7 Telehealth Access⁶	Yes	Yes
Prescriptions	Yes	Yes
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁷	Flexible (80% or 90%)
Average Deductible	Flexible ($0 – $2,500)⁸	Flexible ($100 – $1,000)
Illness Waiting Period	14 days³	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Most claims reimbursed in a few days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"Offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions."⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Pumpkin Pet Insurance
Family Plan²	Yes	No
0-Day Accident Waiting Period³	Yes	No
Grief Counseling⁴	Yes	No
Includes All Ages and Breeds⁵	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes
Add-on Wellness and Preventive Care	Yes	Yes
Add-on Dental Cleaning and Care	Yes	Yes
Add-on Spaying/Neutering	Yes	Yes
24/7 Telehealth Access⁶	Yes	Yes
Prescriptions	Yes	Yes
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁷	Flexible (80% or 90%)
Average Deductible	Flexible ($0 – $2,500)⁸	Flexible ($100 – $1,000)
Illness Waiting Period	14 days³	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Most claims reimbursed in a few days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"Offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions."⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Pumpkin Pet Insurance
Family Plan²	Yes	No
0-Day Accident Waiting Period³	Yes	No
Grief Counseling⁴	Yes	No
Includes All Ages and Breeds⁵	Yes	Yes
Holistic /Alternative Therapy	Yes	Yes
Add-on Wellness and Preventive Care	Yes	Yes
Add-on Dental Cleaning and Care	Yes	Yes
Add-on Spaying/Neutering	Yes	Yes
24/7 Telehealth Access⁶	Yes	Yes
Prescriptions	Yes	Yes
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁷	Flexible (80% or 90%)
Average Deductible	Flexible ($0 – $2,500)⁸	Flexible ($100 – $1,000)
Illness Waiting Period	14 days³	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Most claims reimbursed in a few days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"Offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions."⁹

A red “X” in the above table means this is not included or that exclusions may apply.

As with any insurance policy, coverage may vary and exclusions apply. See our coverage and exclusions page for more details, and learn how our pet insurance works.

Still searching for pet insurance? See how we compare to other providers

Is MetLife Pet the Right Provider for You and Your Furry Family?

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Reasons To Consider MetLife Pet Insurance Over Pumpkin

We know having a plan that fits your needs is an essential part of choosing a pet insurance provider. Here are a few ways we may stand out against Pumpkin’s policies.

Shorter Waiting Period

For virtually immediate coverage of unexpected injuries, MetLife Pet Insurance offers a 0-day waiting period³ for accidents. Pumpkin has a 14-day waiting period for accidents.¹

Free Vet Chat With Standard Plan

MetLife Pet’s standard plan comes with access to a free 24/7 vet telehealth chat⁶ in the MetLife Pet app. Pumpkin doesn’t have an app, and you can only get access to their vet chat if you buy the Wellness Club package.¹

More Plan Customization Options

To help support a wide range of budgets and needs, MetLife Pet offers more reimbursement rates⁷ and deductibles⁸ to choose from than Pumpkin — who only offers two reimbursement rates and four deductible options.¹

Ways MetLife Pet Takes Care of Their Pack

When purchasing insurance protection, you likely want to know you’re making a good decision with your hard-earned money. Here are some of the ways we help pets and their people.

Support for the Community

In 2023, we donated over $1.3 million to animal shelters we work with across the country, and we offer educational resources to help people care for their pets.¹⁰

Preventive Care Coverage

You can add our optional Preventive Care Plan to your policy and get reimbursed for routine and wellness expenses, up to your policy’s annual limit.¹¹

Discounts

We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.^12,13

Family Plans

Our family plan covers multiple pets under one policy with a shared deductible, so you can save more money — you can even combine cats and dogs.²

Get the Award-Winning¹⁴ Coverage They Deserve

With more than 15 years of experience insuring pet parents across the country, we work hard to help you get your pets the care they need — so you can focus on giving them the happy, healthy life they deserve. Just like South Carolina pup, Judy.

Judy, a 1-year-old boxer, started showing signs of lethargy, lack of appetite, and vomiting after staying at a doggie boarding facility during her family’s vacation. Judy’s parents brought her to the vet. After running tests, the vet diagnosed Judy with parvovirus and immediately began treatment. The exam, diagnostics, and treatment cost around $5,500.¹⁵

MetLife Pet covered $4,950 of the $5,500 bill.¹⁵ Get coverage, like Judy’s family did, for your pets — so your finances can be covered for unexpected vet bills, and you can focus on their care.

Take the Next Step in Your Research

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Coverage is subject to the language of the policies as actually issued. This comparison or description of Pumpkin’s policy(ies) was not furnished by Pumpkin. It was prepared solely by MetLife Pet Insurance based publicly available summary information about competitors' offerings and highlights selected coverages of the policies referenced as of June 2025 and is subject to change without notice. It may not be completely accurate and should not be the sole source of information relied upon in deciding which insurance coverage to purchase. To receive the latest information about other providers' available plans, please visit their website. If you have questions regarding the illustration or about a particular competitor’s policy or coverage, please contact a representative of Pumpkin. Referenced publicly- available material for Pumpkin sample plan. For completely reliable benefit comparisons, insurance departments (including North Dakota’s) advise that you obtain the benefit schedules directly from each applicable insurance company.

**As with any insurance policy, coverage may vary. Learn how MetLife Pet Insurance works and review our coverage and exclusions.

¹ Based on a Pumpkin sample plan, retrieved from https://www.pumpkin.care/sample-plan, and information found across the Pumpkin website.

² Coverage options may be limited for certain ages.

³ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a July 2025 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

⁴ Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available in all states.

⁵ Coverage options may be limited for certain ages.

⁶ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.

⁷ Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.

⁸ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions apply.

⁹ Based on a June 2025 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

¹⁰ Information gathered from the MetLife Pet Animal Welfare Team

¹¹ Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions apply.

¹² When combining discounts, restrictions apply. Must be eligible for applicable discounts. Each discount may not be available in all states.

¹³ Your policy deductible decreases by $50 each policy year that you don’t receive a claim reimbursement. Deductible reverts on renewal if claim reimbursement for claims other than preventive care have been made. Restrictions apply.

¹⁴ “2025 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

¹⁵ All claims paid amounts are based on MetLife Pet internal claims data from December 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota), and MetLife Pet Insurance Solutions Agency LLC (Illinois).

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