ASPCA Pet Health Insurance Pet Insurance Review (2026): rates, increases, fine print

Last updated 13 Oct 2026. Administrator: PTZ Insurance Agency (Crum & Forster). Underwriter: Independence American Insurance Company. Website

Where it operates

• Florida: no information yet

ASPCA Pet Health Insurance is a licensed brand name: the ASPCA lends its name, the program is administered by PTZ Insurance Agency and underwritten by Independence American Insurance Company (IAIC) under rate program V4, the same formula as Pumpkin and Spot with a base rate between the two.

What is the same everywhere

• Price is recalculated every renewal from the pet’s current age.
• A tenure factor adds about 3% per policy year.
• Medical records are reviewed at the first claim.