Covered Egg
Covered Egg
Filed overall rate impacts per pet filing, compounded into a cumulative price index by state.
What these numbers mean. Every so often an insurer asks its regulator to reprice a whole plan at once — say a filing that lifts the book by 8% on average. That's what each point on this chart is: one filing's overall rate impact. It's an average across every pet the carrier covers, not a flat number everyone pays — within that same filing some pets go up more and some less (that's the Min/Max range shown per filing in the table below).
The catch: these are based on the pets the insurer covers right now. They do not include the extra you pay simply because your pet is getting older. Aging is charged on top of this. So the price you actually pay usually rises faster than the lines below — see aging factors for that piece.
Want to see what this looked like for one specific pet? The rate history calculator traces a single profile's premium across a carrier's lineage of filings.
| Insurer | Since | Avg annual increase | Avg annual increase (last 3 yr) |
|---|---|---|---|
| CSAA General Insurance Company | 2025-12-04 | +95.9% | +25.1% |
| MetLife Pet | 2025-02-07 | +76.1% | +35.3% |
| Pumpkin | 2026-03-09 | +66.4% | +18.5% |
| Nationwide (VPI) | 2015-01-30 | +30.9% | +32.9% |
| Odie | 2021-10-14 | +16.2% | +22.8% |
| Pets Best | 2019-03-02 | +16.0% | +24.0% |
| Companion Protect | 2024-10-25 | +15.7% | +9.6% |
| ASPCA, Figo, Spot & 24Pet | 2020-06-23 | +15.5% | +17.3% |
| Trupanion | 2013-03-01 | +14.8% | +26.9% |
| Fetch | 2026-08-16 | +12.9% | +4.1% |
| Embrace | 2012-01-01 | +12.3% | +34.7% |
| IAIC / IPIC | 2021-04-01 | +12.2% | +3.1% |
| Lemonade | 2024-11-24 | +7.5% | +4.5% |
| Pets Best (IAIC/IPIC) | 2021-03-18 | +6.2% | 0.0% |
| Spot | 2020-01-14 | +5.7% | +3.8% |
| American Pet Ins. Co. | 2007-07-19 | +5.4% | 0.0% |
| Healthy Paws | 2012-10-29 | +5.0% | +25.1% |
| American Alternative Insurance Corporation | 2010-09-01 | +5.0% | 0.0% |
| National Specialty Insurance Company | 2023-01-11 | +3.9% | 0.0% |
| AGCS Marine Insurance Company | 2013-02-25 | +2.5% | 0.0% |
| AKC | 2014-10-24 | +1.4% | +1.8% |
| Figo | 2022-01-13 | +0.3% | 0.0% |
| Aetna Insurance Company of Connecticut | 2009-04-08 | 0.0% | 0.0% |
| Clear Blue Insurance Company | 2019-10-01 | 0.0% | 0.0% |
| Aspen American Insurance Company | 2019-07-09 | 0.0% | 0.0% |
| Everspan Insurance Company | 2024-03-22 | 0.0% | 0.0% |
| Liberty Mutual | 2026-05-01 | 0.0% | 0.0% |
| Rainwalk | 2025-07-01 | 0.0% | 0.0% |
| StarStone National Insurance Company | 2023-12-15 | 0.0% | 0.0% |
| Adoro | 2026-03-01 | 0.0% | 0.0% |
| XL Specialty Insurance Company | 2021-06-01 | 0.0% | 0.0% |
| Zurich American Insurance Company | 2019-07-01 | 0.0% | 0.0% |
No filed rate-impact data for CA.
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.