Spot Pet Insurance Florida Review: rates, increases, fine print

Last updated 13 Oct 2026. Part of the Spot review · Pet insurance in Florida

Spot in Florida

Underwriter: Independence American Insurance Company
Policy form: PET-P-20000-FL
Waiting periods: injury 0 days, illness 14 days, orthopedic 14 days
Enrollment age: from 8 weeks, no upper limit
Status: active

Coverage flags used for the coverage score
Unlimited annual limit available	yes
Exam fees in base	yes
Dental illness in base	yes
Prescription food	limited
Curable conditions can return to coverage	yes
Illness waiting 14 days or less, waivable	yes
Hereditary conditions in base	yes
Direct vet pay	no
No upper enrollment age	yes

Scores in Florida

A. Lifetime cost	4.7
B. Age curve	1.9
C. Generosity (loss ratio)	9.2
D. Rate increases	0.3
E. Price structure	3.0	Tenure factor table in filing 26-024273; healthy pet discount conditional on no claims; website still quoted the old manual on 8 October 2026
F. Customer treatment	no data
Coverage (separate)	8.8
Total	3.7	methodology

Price by age

From filing 26-024273, effective 1 Oct 2026. 15-year total $70,343.

Spot: monthly premium by age, french bulldog, male, enrolled at 0, $1,000 deductible, 90%, unlimited limit, filed rates effective 1 Oct 2026
Age	$/month	$/year
0	$141	$1,698
1	$134	$1,607
2	$134	$1,602
3	$146	$1,758
4	$164	$1,973
5	$201	$2,408
6	$242	$2,901
7	$292	$3,504
8	$373	$4,480
9	$460	$5,520
10	$551	$6,618
11	$622	$7,468
12	$718	$8,617
13	$815	$9,784
14	$867	$10,406
Total over 15 years	$70,343

Rate filings

Filing	Effective	Status	Requested	Approved	Indicated	Loss ratio	Permissible LR	Source
26-024273	1 Oct 2026	approved	+31.3%	+31.3%	+50.1%	83% projected (2025)	60%	source [1]

26-024273: The memorandum gives a projected loss ratio by sales channel (76–90%, Pumpkin's channel near 90%); the midpoint is stored. Permissible loss ratio 60.42%.

History

13 Oct 2026: Draft page from filing IAIC 26-024273