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
470
Carriers
13
Avg impact
+18.7%
Max increase
+85.6%
Max decrease
-9.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| IN | 18 | +16.0% |
| MD | 17 | +28.4% |
| MI | 17 | +14.3% |
| NC | 17 | +15.7% |
| RI | 17 | +20.8% |
| TN | 17 | +16.9% |
| UT | 16 | +18.1% |
| CA | 15 | +25.5% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Trisura Group30 states | +45.6% | 31 |
| Trisura Insurance Company5 states | +40.2% | 5 |
| Liberty Mutual Group6 states | +34.4% | 8 |
| Fairfax Financial Group1 states | +29.0% | 2 |
| Chubb Limited Group21 states | +25.0% | 30 |
| Trupanion Group41 states | +19.0% | 119 |
| Lemonade Incorporated Group14 states | +16.6% | 15 |
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% |
| 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% |
| Aug 31, 2026 | Chubb Limited Group | KY | Healthy Paws | +50.0% | +52.5% |
| Aug 31, 2026 | Chubb Limited Group | GA | Healthy Paws | +50.0% | +52.4% |
| Aug 31, 2026 | Chubb Limited Group | TN | Healthy Paws | +50.0% | +52.4% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Pet Insurance Policy | Trupanion Group | Revised | 43 | Sep 15, 2026 |
| Emergencycare - Withdrawal | Fairfax Financial Group | Withdrawn | 30 | Sep 15, 2026 |
| Emergencycare - Form Withdrawal | Fairfax Financial Group | Withdrawn | 3 | Sep 15, 2026 |
| Pet Insurance | Lemonade Incorporated Group | Revised | 78 | Sep 11, 2026 |
| Pet Insurance Refresh | Fairfax Financial Group | Revised | 22 | Sep 11, 2026 |
| Iaic Group Pets Ml | Independence PET Holding Incorporated Group | Revised | 1 | Sep 10, 2026 |
Top carriers
Trupanion Group306
Independence PET Holding Incorporated Group284
Fairfax Financial Group253
Chubb Limited Group210
Nationwide Corporation Group112
Axis Capital Group110
Metropolitan Group82
Liberty Mutual Group79
Top states
MD66
CT57
NC54
KY49
GA48
NM48
PA48
ID47