Spot Pet Insurance New Jersey Review
Spot is administered by Spot Pet Insurance Services, LLC and underwritten in New Jersey by Independence American Insurance Company.
Coverage
Spot's New Jersey sample policy is the same Independence American form as Pumpkin's: a 14-day waiting period for accidents, illnesses and knee conditions, no vet-exam waiver, and cured conditions covered again after 180 days without symptoms (not chronic or knee conditions). New Jersey bans accident waiting periods from 1 January 2027, so the form has to change for policies issued from then on. Some coverage changes count as a new enrollment, with new waiting periods and new pre-existing conditions. No New Jersey rate filing has been read.
Scores in New Jersey
Without rate pages there is no lifetime cost, so Spot is not ranked in New Jersey. 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 New Jersey are not public or not yet read, so there is no price by age.
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