Should You Choose ASPCA or Pumpkin for an Older Cat?
Choose ASPCA if you want customizable deductibles ($100 to $500) and lower monthly premiums by opting for 70% or 80% reimbursement. Choose Pumpkin if you want maximum coverage with a guaranteed 90% reimbursement rate on all claims and extensive dental illness protection, and don't mind paying 20% to 35% higher monthly premiums.
- Both underwriters have zero upper age limits and accept cats of any age.
- Both include sick visit and specialist exam fees in their core comprehensive plans.
- ASPCA offers budget flexibility with 70%, 80%, and 90% reimbursement tiers.
- Pumpkin offers a flat 90% reimbursement on all plans with higher baseline pricing.
Pricing & Reimbursement Differences
Because Pumpkin and ASPCA are both underwritten by the United States Fire Insurance Company, their claim submission portals and general policy legal terms are very similar.
However, Pumpkin packages all of its features into a single luxury tier: 90% reimbursement, exam fees included, and robust dental coverage. ASPCA allows you to tailor your coverage, lowering your monthly premium by selecting an 80% or 70% reimbursement tier or choosing a lower annual payout limit.
Check Your Senior Cat's Real-Time Eligibility
Enter your feline's age and past health conditions to see instant carrier approvals, age limit warnings, and customized monthly premium estimates.
Frequently Asked Questions
Can I switch from ASPCA to Pumpkin without resetting waiting periods?
No. Even though both use the same underwriter, switching between brands constitutes a new policy, resetting waiting periods and making previous conditions pre-existing.
Related Senior Feline Guides
Pumpkin Pet Insurance for Senior Cats: 2026 Audit & Dental Analysis
Pumpkin offers a premium, high-reimbursement model designed for pet parents who want maximum out-of-pocket protection. With a standard 90% reimbursement rate, zero upper age restrictions, and robust dental illness coverage, Pumpkin is ideal for high-risk senior cats.
ASPCA Pet Health Insurance for Senior Cats: 2026 Underwriting Guide
Underwritten by the United States Fire Insurance Company (Crum & Forster), ASPCA Pet Health Insurance is one of the most established and trusted names in senior feline care, offering zero upper age limits and standard exam fee coverage.