ASPCA Pet Insurance Texas Review

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

Part of the ASPCA review · Pet insurance in Texas

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

Coverage

ASPCA's Texas sample policy is the same Independence American form as Spot's (PET-P-20000-1024 with Texas endorsement PET-AE-20000-TX-0723): a 14-day wait for accidents, illnesses and ligament and knee conditions; cured conditions covered again after 180 days; coverage and rates can change at renewal with 60 days' notice. ASPCA offers its Waiting Period Health Assessment form (vet exam from 3 days before to 7 days after the start date) in Florida and California, but its documents page does not offer it for Texas dogs and cats, and the Texas sample policy has no exam waiver. Limits, enrollment ages and prices are not in the sample, and Texas rates are not filed.

Scores in Texas

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