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 →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.
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.