Spot Pet Insurance Arizona Review
Spot is administered by Spot Pet Insurance Services, LLC and underwritten in Arizona by Independence American Insurance Company.
Coverage
Arizona does not require pet insurers to file rates or policy forms, and Independence American has no current Arizona pet filing in SERFF; its last one dates from 2015. Spot's Arizona rates and policy form are therefore not public, so no price, waiting periods or coverage flags are shown.
Scores in Arizona
Without rate pages there is no lifetime cost, so Spot is not ranked in Arizona. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Spot in Arizona are not public or not yet read, so there is no price by age.
Compared with other brands in Arizona
Monthly premium for the French Bulldog in Arizona at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: MetLife META-134597334. No rate pages read yet: ASPCA, Embrace, Fetch, Figo, Healthy Paws, Lemonade, Nationwide, Pets Best, Pumpkin, Spot, Trupanion.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | MetLife |
|---|---|
| 0 | $186 |
| 1 | $169 |
| 2 | $169 |
| 3 | $169 |
| 4 | $172 |
| 5 | $215 |
| 6 | $258 |
| 7 | $322 |
| 8 | $398 |
| 9 | $455 |
| 10 | $527 |
| 11 | $610 |
| 12 | $707 |
| 13 | $743 |
| 14 | $778 |
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Corrected the Florida rate figures: the indicated +50.14% belongs to the Pumpkin channel (all channels together: +19.69% indicated, +16.16% selected), and Spot's 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.
- 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; removed unsourced ownership and administrator claims and an unsupported renewal claim; clarified age, renewal, waiver and loss-ratio wording; added BBB and Trustpilot ratings checked on 13 October 2026
- Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questions
- Draft page from filing IAIC 26-024273