Product background
Pet insurance covers veterinary care plans for illness or accident, usually through policy forms that define eligible expenses, reimbursement, waiting periods, exclusions, and benefit schedules.
Pet insurance filings are useful for comparing applications, policy forms, waiting periods, pre-existing condition language, wellness or preventive care terms, reimbursement schedules, renewals, cancellation, and consumer disclosures.
Common filing signals
- Pet policy forms, applications, declarations, certificates, and benefit schedules
- Waiting periods, pre-existing conditions, wellness, preventive care, hereditary conditions, and bilateral condition provisions
- Reimbursement percentage, deductible, annual limit, cancellation, renewal, and state disclosure forms
Rate impact
Filings
512
Carriers
12
Avg impact
+17.8%
Max increase
+85.6%
Max decrease
-9.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| NC | 21 | +20.2% |
| RI | 20 | +17.7% |
| IN | 19 | +15.4% |
| VA | 18 | +16.6% |
| MI | 17 | +16.1% |
| MO | 16 | +21.1% |
| NM | 16 | +18.5% |
| NV | 16 | +23.9% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Trisura Group28 states | +45.2% | 28 |
| Liberty Mutual Group6 states | +34.4% | 8 |
| Fairfax Financial Group1 states | +29.0% | 2 |
| Metropolitan Group42 states | +23.5% | 51 |
| Trupanion Group40 states | +18.9% | 102 |
| Independence PET Holding Incorporated Group39 states | +16.1% | 155 |
| Chubb Limited Group40 states | +15.9% | 82 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Nov 18, 2025 | Liberty Mutual Group | MD | Liui - Pet Insurance Revision Filing | +85.6% | +94.3% |
| Dec 15, 2025 | Liberty Mutual Group | KY | Liui - Pet Insurance New Program Filing | +81.7% | +94.3% |
| Nov 17, 2025 | Liberty Mutual Group | MO | Liui - Pet Insurance Revision Filing | +81.6% | +103.5% |
| Jan 6, 2026 | Trupanion Group | CA | Pets Best Inc. Pet Health Insurance | +53.4% | +55.0% |
| May 20, 2026 | Independence PET Holding Incorporated Group | CT | Pets Best Ipic Rates | +50.0% | +75.0% |
| Apr 24, 2026 | Independence PET Holding Incorporated Group | MT | Pets Best Ipic Rates | +50.0% | +75.0% |
| Apr 24, 2026 | Independence PET Holding Incorporated Group | NC | Pets Best Ipic Rates | +50.0% | +75.0% |
| Apr 14, 2026 | Independence PET Holding Incorporated Group | NV | Pets Best Ipic Forms/Rates | +50.0% | +75.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Pets Best Inc. Pet Health Insurance | Trupanion Group | Revised | 47 | Jun 23, 2026 |
| Pet Rate Filing | Metropolitan Group | Revised | 5 | Jun 23, 2026 |
| Pet Insurance Program | Cimarron Insurance Company, Inc. | Revised | 15 | Jun 22, 2026 |
| Pet Health Insurance | Core Specialty Insurance Holdings Group | Revised | 1 | Jun 17, 2026 |
| Pet Insurance | Lemonade Incorporated Group | Revised | 66 | Jun 15, 2026 |
| Pet Insurance Plans | Randall & Quilter Investment Group | Withdrawn | 15 | Jun 15, 2026 |
Top carriers
Independence PET Holding Incorporated Group254
Fairfax Financial Group250
Trupanion Group249
Chubb Limited Group235
Axis Capital Group118
Metropolitan Group113
Nationwide Corporation Group111
Liberty Mutual Group88
Top states
MD57
RI56
NC52
PA52
CT51
MT49
HI47
OK46