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
506
Carriers
12
Avg impact
+19.4%
Max increase
+81.6%
Max decrease
-9.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MD | 19 | +27.8% |
| IN | 18 | +15.2% |
| RI | 18 | +24.6% |
| TN | 18 | +17.4% |
| MI | 17 | +17.0% |
| NC | 17 | +14.3% |
| VA | 17 | +19.8% |
| VT | 17 | +18.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Trisura Group35 states | +44.9% | 36 |
| Chubb Limited Group27 states | +31.5% | 47 |
| Liberty Mutual Group7 states | +31.5% | 9 |
| Lemonade Incorporated Group15 states | +19.9% | 16 |
| Trupanion Group41 states | +19.0% | 124 |
| JAB Holding Company Group40 states | +16.7% | 191 |
| Metropolitan Group22 states | +12.5% | 23 |
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% |
| Apr 27, 2026 | Trupanion Group | NH | Pets Best Inc. Pet Health Insurance | +59.6% | +59.6% |
| Dec 23, 2025 | Trisura Group | MD | Pet Health Insurance Program | +58.2% | +77.1% |
| Jan 6, 2026 | Trupanion Group | CA | Pets Best Inc. Pet Health Insurance | +53.4% | +55.0% |
| Oct 2, 2026 | Chubb Limited Group | RI | Healthy Paws | +50.0% | +51.0% |
| Oct 1, 2026 | Chubb Limited Group | OR | Healthy Paws | +50.0% | +50.9% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Iaic 2027 Version 4-Forms & Rates | JAB Holding Company Group | Revised | 9 | Nov 10, 2026 |
| Iaic Version 4 Glm | JAB Holding Company Group | Revised | 2 | Nov 10, 2026 |
| Trupanion Pet Health Insurance | Trupanion Group | Revised | 153 | Nov 9, 2026 |
| Aflac Pet Insurance Powered by Trupanion | Trupanion Group | Revised | 49 | Nov 6, 2026 |
| Trupanion for Chewy Health | Trupanion Group | Revised | 35 | Nov 4, 2026 |
| Iaic 2027 Version 4-Forms | JAB Holding Company Group | Revised | 8 | Nov 3, 2026 |
Top carriers
Top states
MD67
PA58
CT55
KY54
NM53
NC52
GA51
ID51