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
503
Carriers
12
Avg impact
+17.5%
Max increase
+85.6%
Max decrease
-9.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| RI | 21 | +17.9% |
| NC | 20 | +18.0% |
| IN | 18 | +15.4% |
| CT | 17 | +18.9% |
| TN | 17 | +12.7% |
| MI | 16 | +14.6% |
| MO | 16 | +21.1% |
| ND | 16 | +15.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Trisura Group30 states | +45.6% | 31 |
| Liberty Mutual Group6 states | +34.4% | 8 |
| Fairfax Financial Group1 states | +29.0% | 2 |
| Trupanion Group40 states | +19.1% | 111 |
| Metropolitan Group24 states | +17.2% | 35 |
| Independence PET Holding Incorporated Group39 states | +15.8% | 175 |
| Chubb Limited Group35 states | +15.6% | 67 |
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% |
| 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 14, 2026 | Independence PET Holding Incorporated Group | NV | Pets Best Ipic Forms/Rates | +50.0% | +75.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Pet Insurance Program | Munich RE Group | Revised | 26 | Aug 10, 2026 |
| Trupanion for Chewy Health | Trupanion Group | Revised | 14 | Aug 10, 2026 |
| Pet Health Insurance Program | Trisura Group | Revised | 36 | Aug 7, 2026 |
| Installment Fees - Pet Health | Munich RE Group | Revised | 3 | Aug 6, 2026 |
| Pet Insurance Policy | Trupanion Group | New | 10 | Aug 4, 2026 |
| Pet Health | Axis Capital Group | Revised | 110 | Jul 31, 2026 |
Top carriers
Independence PET Holding Incorporated Group286
Chubb Limited Group267
Trupanion Group265
Fairfax Financial Group246
Axis Capital Group110
Nationwide Corporation Group110
Metropolitan Group93
Liberty Mutual Group82
Top states
MD63
CT55
RI54
NC53
PA53
MT50
OK50
VA46