Spot Pet Insurance Texas Review

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

Part of the Spot review · Pet insurance in Texas

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

Coverage

Texas sample policy PET-P-20000-1024 (Independence American): a 14-day waiting period for accidents, illnesses and ligament and knee conditions, with no vet-exam waiver in the form. In Florida and California the same program has no accident wait. Cured conditions are covered again after 180 days without symptoms or treatment (not chronic or knee conditions). Coverage and rates can change at renewal; the Texas endorsement PET-AE-20000-TX-0723 promises 60 days' written notice and Texas claim deadlines. Some policy changes count as a new enrollment with new waiting periods. The form allows paying the vet directly if the claim form asks for it; we do not count that as direct vet pay. 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 Spot 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 Spot 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 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