ASPCA Pet Insurance New Jersey Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the ASPCA review · Pet insurance in New Jersey

ASPCA inNJNew JerseyChange state
This page is a draft: we have not read ASPCA's New Jersey rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

ASPCA is administered by PTZ Insurance Agency (Crum & Forster) and underwritten in New Jersey by Independence American Insurance Company.

Coverage

ASPCA's New Jersey sample policy is an older edition (0723) of the Independence American form used by Pumpkin and Spot: a 14-day waiting period for accidents, illnesses and knee conditions, and cured conditions covered again after 180 days without symptoms (not knee conditions). The New Jersey policy text has no vet-exam waiver. New Jersey bans accident waiting periods from 1 January 2027. The state regulator's list still shows ASPCA under United States Fire Insurance Company, while the sample policy names Independence American. No New Jersey rate filing has been read.

Scores in New Jersey

Without rate pages there is no lifetime cost, so ASPCA is not ranked in New Jersey. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for ASPCA in New Jersey are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Corrected the Florida rate figures: the indicated +50.14% belongs to the Pumpkin channel (all channels together: +19.69% indicated, +16.16% selected), and the PTZ increase is described as the full indicated change rather than exactly what claims needed. Clarified that California's +7.9% is the overall change across V4 products and that the 60% cap applies at each of three renewals.
  2. Corrected Florida base rates and wellness rates to the approved manual FL_20260724; separated the 1 January 2026 accident-wait change from the 1 October 2026 increase; marked the PTZ channel link to ASPCA as our research, not the filing; clarified age, renewal, waiver, hereditary-cover and loss-ratio wording; added BBB and Trustpilot ratings checked on 13 October 2026
  3. Full review: added Florida and California state pages, California filing 25-613, pros, cons and open questions
  4. Draft page from filing IAIC 26-024273