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 | May 2026 | +43.5% | +43.5% |
| Fetch | Aug 2026 | +24.6% | +24.6% |
| Lemonade | Nov 2024 | +19.6% | +19.6% |
| MetLife Pet | Dec 2021 | +18.6% | +13.8% |
| Healthy Paws | Nov 2020 | +15.1% | +17.9% |
| Trupanion | Mar 2013 | +14.7% | +26.9% |
| ASPCA, Figo, Pumpkin, Spot & 24Pet | Jun 2020 | +12.2% | +11.1% |
| Pets Best | Mar 2019 | +11.7% | +12.0% |
| Pumpkin | Jun 2020 | +10.3% | +12.0% |
| Embrace | Jan 2012 | +9.2% | +25.6% |
| Nationwide | Nov 2017 | +7.4% | +3.0% |
| Spot | Jul 2023 | +5.2% | +1.3% |
| Prudent Pet | Jun 2022 | +4.2% | 0.0% |
| AKC | Oct 2014 | +2.9% | +4.4% |
| Figo | Jan 2022 | +1.9% | +2.6% |
| Chewy by Trupanion | Nov 2022 | 0.0% | 0.0% |
| Liberty Mutual | Apr 2020 | 0.0% | 0.0% |
| Wishbone | Mar 2024 | 0.0% | 0.0% |
| Physicians Mutual | Mar 2022 | 0.0% | 0.0% |
| Rainwalk | Jul 2025 | 0.0% | 0.0% |
| Adoro | May 2026 | 0.0% | 0.0% |
| Effective | Brand | State | Avg | Min | Max |
|---|---|---|---|---|---|
| 07/07/27 | Fetch | CA | +10.4% | -56.8% | +146.5% |
| 02/14/27 | Lemonade | CA | +30.7% | -14.4% | +127.9% |
| 01/01/27 | Healthy Paws | CA | +16.3% | +16.2% | +16.4% |
| 11/01/26 | Odie | CA | +43.5% | +40.0% | +71.6% |
| 08/16/26 | Fetch | CA | +12.9% | -62.0% | +143.6% |
| 08/02/26 | Pets Best | CA | +53.4% | -20.2% | +55.0% |
| 07/19/26 (Approved) | Trupanion | CA | +19.0% | -5.5% | +53.4% |
| 07/01/26 | Liberty Mutual | CA | 0.0% | 0.0% | 0.0% |
| 06/17/26 (Filed) | MetLife Pet | CA | +7.6% | -1.0% | +13.0% |
| 06/01/26 | MetLife Pet | CA | +36.9% | -49.0% | +198.0% |
| 05/11/26 | Adoro | CA | 0.0% | 0.0% | 0.0% |
| 05/07/26 (Filed) | Embrace | CA | +29.7% | -68.0% | +393.0% |
| 05/01/26 | Odie | CA | 0.0% | 0.0% | 0.0% |
| 03/09/26 (Filed) | Pumpkin | CA | +29.0% | -48.0% | +198.3% |
| 08/02/25 (Approved) | Pets Best | CA | +24.3% | -61.5% | +46.1% |
| 07/19/25 (Approved) | Trupanion | CA | +33.1% | +13.5% | +45.4% |
| 07/01/25 (Filed) | Rainwalk | CA | 0.0% | 0.0% | 0.0% |
| 05/01/25 | Healthy Paws | CA | +44.8% | -8.9% | +124.4% |
| 03/13/25 (Filed) | Figo | CA | +7.9% | -40.1% | +37.3% |
| 03/13/25 (Filed) | ASPCA, Figo, Pumpkin, Spot & 24Pet | CA | +7.9% | -40.1% | +37.3% |
| 03/13/25 (Filed) | AKC | CA | +7.9% | -40.1% | +37.3% |
| 12/04/24 (Filed) | Pets Best | CA | 0.0% | -0.3% | +4.9% |
| 11/24/24 | Lemonade | CA | +14.0% | -17.2% | +78.7% |
| 09/17/24 (Filed) | Nationwide | CA | +26.6% | -91.0% | +1482.0% |
| 07/03/24 (Filed) | Embrace | CA | +24.0% | -56.0% | +2060.0% |
| 05/14/24 | Embrace | CA | +23.1% | +23.0% | +46.0% |
| 05/02/24 (Filed) | ASPCA, Figo, Pumpkin, Spot & 24Pet | CA | +27.1% | +25.9% | +39.5% |
| 05/01/24 (Approved) | Trupanion | CA | +28.9% | +10.5% | +55.0% |
| 04/08/24 (Filed) | AKC | CA | +5.4% | -21.1% | +49.4% |
| 03/22/24 (Filed) | Wishbone | CA | 0.0% | 0.0% | 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.