Covered Egg
Covered Egg
Pet insurance is unique because of how costly it is to change carriers. Changing carriers means a significant reduction in coverage: new waiting periods and excluded pre-existing conditions. You have to consider how your pet's premium will change over its life.
Enter a breed, age, and ZIP and we price every carrier's approved rating plan side by side — across your pet's whole life.
Price a pet →See how steeply each insurer's age curve rises. Some carriers multiply a senior pet's premium nearly tenfold.
See the curves →Chart each carrier's cumulative filed rate changes as a price index, by state or averaged across states, with every filing's stated impact listed below.
See the timeline →The share of premium a carrier expects to return as claims. The pet-industry average is 57%.
See who pays out →Get notified the moment your carrier files a new rate change — often months before it hits your renewal notice.
Set an alert →Run your pet through our lifetime cost calculator, based on insurer data from your state.
Since 2024 Lemonade has moved new pet insurance sales in at least 17 states from Lemonade Insurance Company to its sister insurer Metromile, leaving the old program open for renewals only. Its filings call these runoff books and say they cost more. The three largest pet rate increases Lemonade has ever filed, +42.7% in Oregon, +40% in Rhode Island and +38.4% in New Jersey, are all on closed books.
Read →Trupanion's insurance companies have filed a new pet insurance plan in 23 states. It is cheaper than regular Trupanion for a puppy or kitten, but the price rises with your pet's age, and at today's rates it costs 33% to 85% more over a medium-sized dog's lifetime.
Read →Pets Best stopped selling its main pet insurance program during 2023 and started a new one on a different insurer. Rates in the closed program have since risen about 138% in Virginia, 128% in California and 111% in Ohio, far more than in the program still on sale. California's closed book just took +53.4%, and filings in 16 other states ask for up to +50% as the book moves to a third company.
Read →
Before you go
Insurers must file rate changes with state regulators, typically months before they take effect. Pick your line and carrier to see what’s already on the docket.