Covered Egg
Covered Egg
What these numbers mean. These rate changes are based on the insurer's book at the time of the filing and do not include the effects of aging. Look at the aging factors to see how much aging is impacting your rates.
| Insurer | Since | Avg annual increasePer year | Avg annual increase (last 3 yr)Last 3 yrs |
|---|---|---|---|
| Odie | Aug 2023 | +24.7% | +25.4% |
| MetLife Pet | Jan 2021 | +14.9% | +18.1% |
| Nationwide | Mar 2013 | +14.1% | +11.5% |
| Pets Best incl. trend | Aug 2013 | +13.3% | +19.6% |
| Trupanion | Mar 2013 | +12.7% | +18.3% |
| Healthy Paws | Nov 2012 | +9.9% | +17.9% |
| ASPCA, Figo, Pumpkin, Spot & 24Pet | Oct 2016 | +9.9% | +10.7% |
| Pumpkin | Oct 2016 | +9.8% | +10.7% |
| Figo | May 2020 | +9.0% | +13.9% |
| Spot | Feb 2014 | +9.0% | +9.8% |
| Aflac by Trupanion | Nov 2021 | +8.2% | +13.0% |
| Lemonade incl. trend | Mar 2020 | +7.7% | +9.1% |
| Fetch | May 2020 | +7.5% | +9.6% |
| Chewy by Trupanion | May 2022 | +7.5% | +8.1% |
| Embrace incl. trend | Jul 2010 | +6.8% | +12.0% |
| AKC | Nov 2012 | +4.7% | +7.9% |
| Rainwalk incl. trend | Jan 2021 | +4.1% | +4.4% |
| Physicians Mutual incl. trend | Mar 2022 | +3.4% | +3.4% |
| Kanguro | May 2022 | +1.9% | +2.4% |
| Prudent Pet incl. trend | Jul 2021 | +1.8% | -1.2% |
| Liberty Mutual | Aug 2014 | +1.1% | +3.4% |
| Adoro | Jul 2025 | 0.0% | 0.0% |
| Wishbone | Mar 2024 | 0.0% | 0.0% |
| Progressive | Jul 2025 | -2.1% | -2.1% |
incl. trend: some insurers file a rule that raises the rate on its own as time passes (a quarterly trend table, or "veterinary inflation"), with no new filing. Those increases are counted here too.
| Effective | Brand | State | Avg | Min | Max |
|---|---|---|---|---|---|
| 07/07/27 | Fetch | CA | +10.4% | -56.8% | +146.5% |
| 06/27/27 | Fetch | MA | +10.6% | -40.3% | +148.3% |
| 05/28/27 | Fetch | NV | +15.8% | -25.1% | +153.9% |
| 05/15/27 | Fetch | MD | +10.6% | -25.5% | +151.8% |
| 04/30/27 | MetLife Pet | NJ | +35.0% | +12.0% | +38.0% |
| 04/24/27 | MetLife Pet | CT | +8.0% | -3.0% | +16.0% |
| 04/02/27 | Pets Best | SD | +30.0% | 0.0% | +75.0% |
| 04/02/27 | Pets Best | OR | +22.1% | 0.0% | +75.0% |
| 04/02/27 | Pets Best | VT | +30.0% | 0.0% | +75.0% |
| 04/02/27 | Pets Best | ID | +25.0% | +25.0% | +25.0% |
| 03/27/27 | Healthy Paws | RI | +33.6% | +30.5% | +35.1% |
| 03/27/27 | Healthy Paws | NC | +9.0% | +8.5% | +9.2% |
| 03/27/27 | Healthy Paws | VT | +9.0% | +8.0% | +9.1% |
| 03/13/27 | Healthy Paws | MI | +43.8% | +38.2% | +45.6% |
| 03/13/27 | Healthy Paws | MI | +50.0% | +48.3% | +50.7% |
| 03/02/27 | Pets Best | HI | +24.1% | +24.1% | +24.1% |
| 03/01/27 | Trupanion | TN | +21.9% | — | — |
| 02/28/27 | Healthy Paws | NC | +24.4% | +19.7% | +25.4% |
| 02/21/27 | Healthy Paws | GA | +50.0% | +43.0% | +52.4% |
| 02/21/27 | Healthy Paws | ND | +9.0% | +8.3% | +9.3% |
| 02/19/27 | Lemonade | OR | +42.7% | -38.8% | +328.9% |
| 02/17/27 | Embrace | MD | +15.6% | -54.0% | +378.0% |
| 02/14/27 | Lemonade | CA | +30.7% | -14.4% | +127.9% |
| 02/02/27 | Healthy Paws | RI | +50.0% | +44.2% | +51.0% |
| 02/01/27 | Chewy by Trupanion | GA | +20.4% | -10.1% | +51.9% |
| 01/24/27 | Healthy Paws | GA | +50.0% | +45.4% | +51.8% |
| 01/22/27 | Trupanion | RI | +28.9% | — | — |
| 01/20/27 | Lemonade | GA | +30.0% | 0.0% | +55.9% |
| 01/19/27 | Trupanion | MD | +33.3% | +7.7% | +68.1% |
| 01/17/27 | Lemonade | PA | 0.0% | — | — |
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.