B
Veterinary Pet Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (6.2) despite excessive premium growth. Other stability subfactors include potentially strong support from affiliation with Nationwide Mutual Group, good operational trends and excellent risk diversification. Strong long-term capitalization index (9.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors: Excellent profitability index (8.9). Excellent expense controls. Excellent liquidity (8.5) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Other (100%)
Licensed in: CA, OH
Principal Investments: Investment grade bonds (96.0%), other (4.0%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
Nationwide Mutual Group
Investment Rating
--
Company Address
101 California Street
San Francisco, CA 94111
Phone Number
(714) 989-0555
NAIC Number
42285
Largest Affiliates
C
COLUMBUS, OH - L&A
B
Columbus, OH - P&C
B