Crum & Forster Pet Insurance Group
Crum & Forster Pet Insurance Group underwrites and distributes the ASPCA Pet Health Insurance program in the US, offering accident, illness, preventive, and behavioral coverage for dogs and cats through direct-to-consumer, employer voluntary benefits, broker, and association channels.
- Company typePrivate
- Founded1997
- HeadquartersAkron, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Crum & Forster Pet Insurance Group does
Crum & Forster Pet Insurance Group operates the ASPCA Pet Health Insurance program, a US-based pet insurance offering for dogs and cats. Policies are produced by PTZ Insurance Agency, Ltd and underwritten by two carriers within the Crum & Forster family — Independence American Insurance Company (NAIC #26581) and United States Fire Insurance Company (NAIC #21113). The product suite includes accident-only coverage, a flagship "Complete Coverage" plan (accident, illness, and preventive reimbursement based on invoice), and specialized offerings for puppies, kittens, senior dogs, and senior cats, plus add-ons for behavioral and dental care. Coverage is sold without network restrictions, allowing use at any licensed veterinarian, and is supported by a mobile app for claims submission and policy management.
The business runs a multi-channel distribution model: direct-to-consumer self-service via aspcapetinsurance.com with phone support, employer voluntary benefits programs reaching more than 2,500 organizations, an insurance broker channel targeting benefits portfolios, and association/membership programs. Revenue is generated through recurring monthly premiums priced by pet age, species/breed, and home address, with discounts applied on a case-by-case basis. The ASPCA brand is licensed from the American Society for the Prevention of Cruelty of Animals under a royalty arrangement, providing consumer trust and recognition in animal welfare. The company is privately held, US-only in geographic scope, and a member of the North American Pet Health Insurance Association (NAPHIA). No public financials, funding rounds, or M&A activity are disclosed in the source material.
Crum & Forster Pet Insurance Group firmographics
Firmographics- Name
- Crum & Forster Pet Insurance Group
- Legal name
- PTZ Insurance Agency, Ltd
- Website
- https://cfpetinsurance.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Crum & Forster Pet Insurance Group underwrites and distributes the ASPCA Pet Health Insurance program in the US, offering accident, illness, preventive, and behavioral coverage for dogs and cats through direct-to-consumer, employer voluntary benefits, broker, and association channels.
- Ownership category
- akta.pro rank
Crum & Forster Pet Insurance Group industry classification
Industry- Product category
- Pet Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
- akta.pro secondary industry
- Worksite Pet Insurance (FSAIAMAL)
Keywords
Where Crum & Forster Pet Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Akron
- HQ country
- United States
- HQ region
- North America
Markets served
Crum & Forster Pet Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D
Revenue model
- Pet Insurance Premiums: Recurring premium payments from pet owners for insurance coverage. Premiums are based on pet age, species/breed, and home address. Coverage includes reimbursement for veterinary expenses including accidents, illness, preventive care, behavioral coverage, and dental care.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Customized pet insurance plans with variable pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Crum & Forster Pet Insurance Group product offering
Product offeringCore offering
Crum & Forster Pet Insurance Group operates the ASPCA Pet Health Insurance program, providing accident, illness, and wellness coverage for dogs and cats. Policies are sold and administered through PTZ Insurance Agency, Ltd and underwritten by Independence American Insurance Company and United States Fire Insurance Company. Coverage is distributed direct-to-consumer online and through employer group benefits, brokers, and association partners.
Product overview
ASPCA Pet Health Insurance offers a portfolio of pet insurance products designed for dogs and cats across all life stages. The core offering is the Complete Coverage℠ plan, with specialized products for puppies, kittens, senior dogs, and senior cats. Coverage options include accident-only and preventive care add-ons, as well as behavioral coverage. The program is distributed through group benefits for employers, associations, and benefit brokers, with a companion mobile app for policy management.
Differentiator
Problem solved
Functional benefit
Products and services
- ASPCA Pet Health Insurance (Complete Coverage) Comprehensive accident and illness pet insurance for dogs and cats covering veterinary exam fees, hereditary conditions, behavioral issues, and optional preventive care; targeted at U.S. pet owners who want full-coverage protection for their pets.
- ASPCA Pet Health Insurance Program (Group Benefits) Voluntary group pet insurance benefit packaged for employers, brokers, and membership associations, enabling them to offer ASPCA-branded pet health insurance as an employee or member perk; sold via dedicated broker portal and supported by enterprise field sales.
Companies that use Crum & Forster Pet Insurance Group
Customer profileSegments4 records
Ideal customer profiles3 records
Crum & Forster Pet Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Crum & Forster Pet Insurance Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- North American Pet Health Insurance Association (NAPHIA)minorIndustry association membership demonstrating participation in the pet health insurance industry standards and community.
- Independence American Insurance CompanycoreOne of two insurance carriers underwriting the ASPCA Pet Health Insurance policies (NAIC #26581).
- United States Fire Insurance CompanycoreOne of two insurance carriers underwriting the ASPCA Pet Health Insurance policies (NAIC #21113).
Scale indicators3 records
Crum & Forster Pet Insurance Group competitors and assessment
Company assessmentDirect peers
- Pumpkin Pet Insurance: Pumpkin offers accident, illness, and preventive pet insurance products to US pet owners with wellness add-ons; it is a direct competitor in the same online pet insurance category as ASPCA.
- Pets Best Pet Insurance: Pets Best sells accident, illness, and wellness pet insurance plans directly online with routine care add-ons; it directly competes with the ASPCA program on product breadth and DTC pricing.
- Spot Pet Insurance: Spot provides accident, illness, and preventive pet insurance plans with customizable coverage options; it is a direct-to-consumer competitor to ASPCA in the US pet insurance market.
- Healthy Paws Pet Insurance: Healthy Paws provides accident and illness pet insurance with no caps on payouts and fast claims processing; it is a direct online competitor to ASPCA Pet Health Insurance for US dog and cat owners.
- Embrace Pet Insurance: Embrace offers accident, illness, and wellness pet insurance plans for dogs and cats with customizable deductibles and rewards-based wellness programs; it competes head-to-head with ASPCA across similar pet-owner customer segments.
- Fetch Pet Insurance: Fetch offers comprehensive accident and illness pet insurance with extensive coverage including exam fees and virtual vet visits; it targets the same US dog and cat owner segments as ASPCA Pet Health Insurance.
- Trupanion: Trupanion is a publicly traded direct-to-consumer pet insurance provider offering medical and accident coverage for cats and dogs with lifetime per-condition deductibles; it is a direct competitor to ASPCA Pet Health Insurance across comparable product lines and target customers.
Broad incumbents
- Nationwide Pet Insurance: Nationwide is the largest US pet insurance provider with Whole Pet with Wellness and Major Medical plans; as a broad incumbent, it competes across the same product categories and employer/worksite channels as ASPCA.
- MetLife Pet Insurance: MetLife offers pet insurance as part of a broad insurance portfolio leveraging large employer benefits distribution; it overlaps with ASPCA on employer voluntary benefits and product structure for dog and cat owners.
Emerging players
- Lemonade Pet Insurance: Lemonade is an app-native digital insurer that has expanded into pet insurance with AI-driven UX and aggressive pricing; it represents an emerging tech-first threat to traditional pet insurers like ASPCA.
Market position
Strengths4 records
Weaknesses4 records
Key risks7 records
Key highlights7 records
Customer concentration
Crum & Forster Pet Insurance Group social profiles
Digital presenceCrum & Forster Pet Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crum & Forster Pet Insurance Group leadership team
Management profileNumber of profiles
Crum & Forster Pet Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crum & Forster Pet Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crum & Forster Pet Insurance Group
What does Crum & Forster Pet Insurance Group do?
Crum & Forster Pet Insurance Group operates the ASPCA Pet Health Insurance program, providing accident, illness, and wellness coverage for dogs and cats. Policies are sold and administered through PTZ Insurance Agency, Ltd and underwritten by Independence American Insurance Company and United States Fire Insurance Company. Coverage is distributed direct-to-consumer online and through employer group benefits, brokers, and association partners.
Is Crum & Forster Pet Insurance Group a public or private company?
Crum & Forster Pet Insurance Group is a private company. It is classified as unknown and is currently operating.
When was Crum & Forster Pet Insurance Group founded?
Crum & Forster Pet Insurance Group was founded in 1997. It employs 101 to 250 people.
Where is Crum & Forster Pet Insurance Group based?
Crum & Forster Pet Insurance Group is headquartered in Akron, United States, in the North America region.
How does Crum & Forster Pet Insurance Group make money?
One revenue line is on record: pet Insurance Premiums.
Who are Crum & Forster Pet Insurance Group's main competitors?
Direct peers on record are Pumpkin Pet Insurance, Pets Best Pet Insurance, Spot Pet Insurance, Healthy Paws Pet Insurance, Embrace Pet Insurance, Fetch Pet Insurance and Trupanion. Broad incumbents are Nationwide Pet Insurance and MetLife Pet Insurance. Lemonade Pet Insurance is listed as an emerging player.
Does Crum & Forster Pet Insurance Group have an API?
No public API is recorded for Crum & Forster Pet Insurance Group.
What industry is Crum & Forster Pet Insurance Group in?
Crum & Forster Pet Insurance Group's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance, with a secondary code of FSAIAMAL, Worksite Pet Insurance. Its NAICS code is 524210 and its SIC code is 6411.