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 →Follow one pet profile across a carrier's lineage of filings to watch what a policyholder's premium actually did over time.
Trace a policy →Chart each carrier's base rate over time by state, with filed rate impacts overlaid and a per-state breakdown of average increases.
See the timeline →Put two or more filings head-to-head — lifetime premium curves plus a factor-by-factor breakdown of how they differ.
Compare filings →The share of premium a carrier expects to return as claims. The pet-industry average is 57% — one filing tops 81%.
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.