Pet insurers that charge more after you file claims

Some pet insurers charge a higher price because of your claims.

State

Insurer	Worst-case multiplier
Fetch	5.9×
Nationwide	5.2×
Embrace	5.1×
Progressive	4.1×
ASPCA & 24Pet	1.1×
ASPCA, Figo, Pumpkin, Spot & 24Pet	1.1×
Figo	1.1×
Liberty Mutual	1.1×
Pumpkin	1.1×
Spot	1.1×

A 5.0× multiplier means the heaviest claims history the insurer rates pays five times the claim-free premium.

Includes filings not yet in effect, so you can see an upcoming penalty. Last updated: October 30, 2026

Each insurer’s factors

From the filing behind each insurer’s worst case. A factor multiplies the premium: 1.00 is no change, above it a surcharge, below it a discount.

Fetch

Fetch claims tier plan

Fetch puts every pet in a tier, and the tier sets the multiplier. A new policy starts at tier 8. At each renewal the tier is set again from the claims paid in the past three years (the next table). One renewal can lift it only so far, so the top tiers take several years of claims to reach.

Tier	Factor
1	0.65
2	0.70
3	0.78
4	0.86
5	0.96
6	0.98
7	0.99
8	1.00
9	1.10
10	1.20
11	1.35
12	1.55
13	1.90
14	2.30
15	2.80
16	3.40
17	3.80

Fetch tier at renewal

Where a pet lands at its first renewal. Down the side are the claims Fetch paid. Across the top is the price before the tier is applied, which is roughly what the first year cost. The tier table above turns the tier into the multiplier. $500 or more in claims lands in the same tier whatever the pet’s age. Less than that, and the tier keeps falling at later renewals.

Age when first insured

	Premium before this factor
Claims paid, past 3 years	$0–$500	$500–$1,000	$1,000–$2,000	$2,000–$4,000	$4,000+
$0–$250	7	7	7	7	7
$250–$500	7	7	7	7	7
$500–$1,000	12	11	10	9	3
$1,000–$1,500	13	12	11	10	8
$1,500–$2,000	14	13	12	11	9
$2,000–$2,500	15	14	13	12	10
$2,500–$3,000	16	15	14	12	10
$3,000–$4,000	16	15	14	13	11
$4,000–$5,000	16	15	15	13	12
$5,000–$7,500	17	16	15	14	12
$7,500–$10,000	17	17	16	15	13
$10,000–$15,000	17	17	16	16	13
$15,000+	17	17	17	17	15
$0–$250	6	6	6	6	6
$250–$500	7	7	7	7	7
$500–$1,000	12	11	10	9	3
$1,000–$1,500	13	12	11	10	8
$1,500–$2,000	14	13	12	11	9
$2,000–$2,500	15	14	13	12	10
$2,500–$3,000	16	15	14	12	10
$3,000–$4,000	16	15	14	13	11
$4,000–$5,000	16	15	15	13	12
$5,000–$7,500	17	16	15	14	12
$7,500–$10,000	17	17	16	15	13
$10,000–$15,000	17	17	16	16	13
$15,000+	17	17	17	17	15
$0–$250	5	5	5	5	5
$250–$500	6	6	6	6	6
$500–$1,000	12	11	10	9	3
$1,000–$1,500	13	12	11	10	8
$1,500–$2,000	14	13	12	11	9
$2,000–$2,500	15	14	13	12	10
$2,500–$3,000	16	15	14	12	10
$3,000–$4,000	16	15	14	13	11
$4,000–$5,000	16	15	15	13	12
$5,000–$7,500	17	16	15	14	12
$7,500–$10,000	17	17	16	15	13
$10,000–$15,000	17	17	16	16	13
$15,000+	17	17	17	17	15
$0–$250	4	4	4	4	4
$250–$500	5	5	5	5	5
$500–$1,000	12	11	10	9	3
$1,000–$1,500	13	12	11	10	8
$1,500–$2,000	14	13	12	11	9
$2,000–$2,500	15	14	13	12	10
$2,500–$3,000	16	15	14	12	10
$3,000–$4,000	16	15	14	13	11
$4,000–$5,000	16	15	15	13	12
$5,000–$7,500	17	16	15	14	12
$7,500–$10,000	17	17	16	15	13
$10,000–$15,000	17	17	16	16	13
$15,000+	17	17	17	17	15

Nationwide

Nationwide utilization levels

Medical claims paid in the 12 months before renewal. The level can move at most five steps at each renewal.

		Coverage
Level	Claims paid	congenital and hereditary	cruciate	illness
1	New policy	1.00	1.00	1.00
2	No claims	0.86	0.86	0.86
3	$0.01–$100	1.30	1.30	1.30
4	$100.01–$400	1.61	1.61	1.61
5	$400.01–$700	1.94	1.94	1.94
6	$700.01–$1,000	2.30	2.30	2.30
7	$1,000.01–$1,300	2.54	2.54	2.54
8	$1,300.01–$2,200	2.92	2.92	2.92
9	$2,200.01–$3,500	3.60	3.60	3.60
10	Over $3,500	4.48	4.48	4.48

Embrace

Embrace claim-history table

Counts the last three years. A new pet has no history yet.

	Pet’s age
Years with claims totaling $300+	0–4	5–9	10+
New pet	1.00	1.00	1.00
0	0.95	0.95	0.95
1	1.09	1.24	1.38
2	1.42	1.85	2.41
3	2.13	3.15	4.82

Progressive

Progressive claims experience

Each claim, capped at $500, counts toward the total.

	Years of experience
Claims paid	0	1	2	3+
<=$250	1.00	0.96	0.93	0.90
$250.01-$500	1.00	0.98	0.96	0.94
$500.01-$1000	1.00	1.75	1.40	1.30
$1000.01-$1500	1.00	2.00	1.80	1.50
$1500.01-$2000	1.00	2.50	2.00	1.75
$2000.01-$2500	1.00	3.00	2.50	2.00
$2500.01-$3000	1.00	3.10	3.00	2.25
$3000.01-$4000	1.00	3.20	3.10	2.50
$4000.01-$5000	1.00	3.30	3.20	2.75
$5000.01-$7500	1.00	3.40	3.30	3.00
$7500.01-$10000	1.00	3.50	3.40	3.10
$10000.01-$15000	1.00	3.60	3.50	3.20
>$15000	1.00	3.70	3.60	3.30

ASPCA & 24Pet

Discount	Off while claim-free
Healthy pet	10%

ASPCA, Figo, Pumpkin, Spot & 24Pet

Discount	Off while claim-free
Healthy pet	10%

Figo

Discount	Off while claim-free
Healthy Pet Discount	10%

Liberty Mutual

Discount	Off while claim-free
Claim free	10%

Pumpkin

Discount	Off while claim-free
Healthy pet	10%

Spot

Discount	Off while claim-free
Healthy pet	10%