Spinnaker Insurance Company is entering the California market with a brand‑new private‑label pet insurance product designed for adoro Pet Insurance Services .

The plan will be underwritten by Spinnaker and administered by adoro, giving both companies a foothold in the rapidly expanding specialty‑pet segment.

This filing represents a start‑up program with zero current policyholders or premium. American Pet Insurance Company (APIC) data supply the base‑rate structure and species mix, while First Consulting served as filing submitter.

Distribution will occur exclusively through licensed producers once launched.

Spinnaker expects the product to debut March 1 2026, subject to approval of the requested effective date.