ASPCA Pet Insurance Florida Review
ASPCA is administered by PTZ Insurance Agency (Crum & Forster) and underwritten in Florida by Independence American Insurance Company. At filed rates the French Bulldog costs $145 a month at age 2 and $782 at age 12; the 15-year total is $76,600.[1] The last approved increase was +12.8%, against +12.8% requested, effective 1 Oct 2026.[1]
Coverage
| 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 |
Filing 26-024273 does not name ASPCA. Our research places ASPCA in the filing's PTZ sales channel together with Hartville and other brands (base rate $105.94 in the approved manual FL_20260724, +12.85% from 1 October 2026); it is the same V4 program and form family as Pumpkin and Spot. The ASPCA Florida sample is still the older edition PET-P-20000-FL-1024 with a 14-day accident wait; filing 25-046756 removed the accident wait for the whole V4 program from 1 January 2026. The illness-wait waiver by vet exam is in the current edition PET-P-20000-FL-0525, which, according to the IRFS listing of forms filing 25-046755 (not read in full), was filed together with an ASPCA (APHI) disclosure. The minimum enrollment age for ASPCA in Florida is not in our sources. The form says the insurer can pay the vet directly if the claim form asks for it; we do not count that as direct vet pay.
Scores in Florida [sort by any column · click a brand for the breakdown]
| 1 | 4.3 | 1.9 | 7.5 | 7.9 | 5.0 | n/d | 5.2 | $76,600 | 8.8 | |
Same V4 manual as Pumpkin and Spot (PTZ channel base rate $105.94, approved manual FL_20260724): tenure +3.1% per year; healthy-pet 10% only without paid claims; multi-pet 10%; $2 installment fee; $15 enrollment fee | ||||||||||
F (customer treatment) has no data yet for Florida, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.
Why these scores
- E. Price structure 5.0
- Filing 26-024273 applies the tenure factor table and the 10% healthy pet discount, lost after any reimbursed claim in the prior 12 months, to every channel, including PTZ (ASPCA).
- F. Customer treatment no data
- Our sources show no mass non-renewal and no regulator penalty against Independence American Insurance Company in Florida in the last five years.
Price by age
From filing 26-024273, effective 1 Oct 2026, priced at the unlimited limit. 15-year total $76,600 at today's filed rates.[1]
All numbers: ASPCA, monthly premium by age
| Age | $/month | $/year |
|---|---|---|
| 0 | $154 | $1,847 |
| 1 | $146 | $1,748 |
| 2 | $145 | $1,743 |
| 3 | $159 | $1,913 |
| 4 | $179 | $2,147 |
| 5 | $218 | $2,621 |
| 6 | $263 | $3,158 |
| 7 | $318 | $3,815 |
| 8 | $407 | $4,878 |
| 9 | $501 | $6,011 |
| 10 | $601 | $7,207 |
| 11 | $678 | $8,134 |
| 12 | $782 | $9,386 |
| 13 | $888 | $10,657 |
| 14 | $944 | $11,334 |
| Total over 15 years | $76,600 | |
Compared with other brands in Florida
Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Lemonade | Pets Best | Pumpkin | Spot |
|---|---|---|---|---|---|
| 0 | $154 | $140 | $78 | $164 | $143 |
| 1 | $146 | $119 | $71 | $155 | $135 |
| 2 | $145 | $119 | $71 | $155 | $135 |
| 3 | $159 | $119 | $71 | $170 | $148 |
| 4 | $179 | $132 | $79 | $191 | $166 |
| 5 | $218 | $156 | $96 | $233 | $202 |
| 6 | $263 | $185 | $116 | $280 | $244 |
| 7 | $318 | $221 | $145 | $339 | $294 |
| 8 | $407 | $265 | $180 | $433 | $376 |
| 9 | $501 | $370 | $219 | $534 | $464 |
| 10 | $601 | $439 | $283 | $640 | $556 |
| 11 | $678 | $505 | $318 | $723 | $628 |
| 12 | $782 | $544 | $346 | $834 | $724 |
| 13 | $888 | $544 | $346 | $947 | $822 |
| 14 | $944 | $544 | $346 | $1,007 | $874 |
Rate filings
ASPCA's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 26-024273 | 1 Oct 2026 | approved | +12.8% | +12.8% | +12.8% | 67% projected (2025) | 60% | source [1] |
Notes on these filings (1)
References
- 1.↑Florida Office of Insurance Regulation, IRFS. Independence American Insurance Company, V4, rate filing 26-024273. Effective 1 Oct 2026. Requested +12.8%, approved +12.8%, indicated +12.8%. source
- 2.↑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 the PTZ 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; marked the PTZ channel link to ASPCA as our research, not the filing; clarified age, renewal, waiver, hereditary-cover and loss-ratio wording; added BBB and Trustpilot ratings checked on 13 October 2026
- Full review: added Florida and California state pages, California filing 25-613, pros, cons and open questions
- Draft page from filing IAIC 26-024273