ASPCA Pet Insurance Pennsylvania Review

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

Part of the ASPCA review · Pet insurance in Pennsylvania

ASPCA inPAPennsylvaniaChange state
This page is a draft: we have not read ASPCA's Pennsylvania 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 Pennsylvania by Independence American Insurance Company.

Coverage

Pennsylvania disclosure PET-PA-Notice-0424-APHI and sample policy PET-P-20000-PA-0425, underwritten by Independence American Insurance Company. Illness, including congenital, hereditary and orthopedic illness, waits 14 days; the wait can be waived with a vet exam from 3 days before to 7 days after the start and the insurer's form within 30 days. A cured pre-existing condition is covered again after 180 days without symptoms or treatment, except chronic, congenital, hereditary, knee, ligament and orthopedic conditions. Premiums rise with age and may change with location, but not with claims. Claims must be filed within 270 days of treatment. Some plan changes count as a new enrollment: the old policy ends, new waiting periods apply and earlier conditions become pre-existing. New customers pay an enrollment fee.

Scores in Pennsylvania

Without rate pages there is no lifetime cost, so ASPCA is not ranked in Pennsylvania. 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 Pennsylvania 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