Spot Pet Insurance Pennsylvania Review

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

Part of the Spot review · Pet insurance in Pennsylvania

Spot inPAPennsylvaniaChange state
This page is a draft: we have not read Spot's Pennsylvania rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Spot is administered by Spot Pet Insurance Services, LLC and underwritten in Pennsylvania by Independence American Insurance Company.

Coverage

From Spot's Pennsylvania disclosure: underwritten by Independence American Insurance Company. Illness, including congenital, hereditary and orthopedic illness, waits 14 days in the first policy period; 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. Premiums rise with age and may change with location; the disclosure says claims history does not raise the premium or reduce cover, while Pumpkin's Pennsylvania disclosure from the same insurer says premiums may change with claims history. The policy form, enrollment ages and coverage details were not reviewed.

Scores in Pennsylvania

Without rate pages there is no lifetime cost, so Spot 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 Spot 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 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.
  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; 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
  3. Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questions
  4. Draft page from filing IAIC 26-024273