There are two honest ways to answer this question, and they give different numbers. One is the average change an insurer files with a state regulator. The other is what owners actually see on their renewal notices. RenewalDog tracks both, and this page shows the latest of each with a source for every number.
We don't estimate or model a national average. If we don't have enough data to show a number, we say so.
The average from state rate filings
When an insurer changes its rates in a state, it files the change with that state's insurance regulator. The filing states an overall average change across the insurer's policyholders in that state. Embrace describes this as a base rate that rises by the same percentage for all premiums in a state.
Right now our data has 33 filed or approved rate changes from 10 insurers in 7 states. 30 of them are increases. The middle value of those averages is +19%. The lowest is -8.2% (Nationwide, North Carolina, filed 2026-08-27). The highest is +85% (ManyPets, California, approved 2024-07-26).
Here is the same data by insurer. Each row links to the insurer's page, where every filing links to its source.
| Insurer | Filings | Middle value | Highest | States |
|---|---|---|---|---|
| ManyPets | 1 | +85% | +85% CA | CA |
| MetLife Pet | 5 | +26% | +36.9% CA | CA, FL, NJ |
| Lemonade | 7 | +25% | +38.4% NJ | CA, FL, GA, NJ, NY |
| Trupanion | 5 | +19% | +27.4% TN | CA, FL, GA, TN |
| Figo | 3 | +17.6% | +27.1% FL | FL, NJ, TN |
| Healthy Paws | 3 | +16.3% | +44.8% CA | CA, FL |
| Pets Best | 3 | +16% | +53.4% CA | CA, NJ |
| Fetch | 1 | +12.9% | +12.9% CA | CA |
| Nationwide | 2 | +9.2% | +26.6% CA | CA, NC |
| Embrace | 3 | 0% | +23.5% CA | CA, GA, TN |
Filed or approved average rate changes from public state filings. Each filing and its source is listed on the insurer's page. A filed average covers all of an insurer's policyholders in a state.
Why the filed average isn't your increase
A filing average is a blend. It covers pets of every age, breed and area in that state. Your own renewal also reflects your pet's age and, for some insurers, local costs. Lemonade says your pet's age and vet costs in your area are the biggest factors in its renewal price. So two owners with the same insurer in the same state can see very different changes, even in a year with one filed number.
There are other differences too.
- Timing. A filing has an effective date, and some filings set a separate date for renewals. We show both where the source gives them.
- Status. Some filings in our data are approved. Others are only filed or under review, and the regulator may approve a different number. We label each one.
- Discounts. Embrace says it reviews discounts every year, and a discount that ends raises the price at renewal. A filed base rate doesn't show that.
- Caps and rules. Some policies limit how much a price can change. Trupanion's sample policy says changes happen no more than once a year and will not exceed 20%.
The average from owner reports
The second number comes from owners. Each report gives the old and new monthly premium, the insurer, the state and the pet's age. We compute each owner's percentage change from the two prices, and we report the median.
We have 0 owner reports so far. That's fewer than 5, so we don't show a median yet.No insurer has 5 owner reports yet, so there are no per-insurer medians to show.
We use the median, the middle report, rather than the mean. A few very large increases can pull a mean upward. A median is steadier. We show a number for an insurer only once at least 5 owners have reported, because a median of two or three reports can mislead.
Each median uses only approved reports. Reports waiting for review don't count until they are approved.
Owner reports are not a random sample. People choose to share them. Very unusual entries are held for review before they count, and we limit repeat entries from the same connection.
How vet prices compare
Pet insurance pays vet bills, so vet prices set the backdrop. The U.S. Bureau of Labor Statistics reports these 12-month changes to September 2026.
- Veterinarian services rose 4.6%.
- Prices for all items rose 3.7%.
- Pets and pet products rose 1.3%.
These are price indexes, not insurance claims costs. Claims also depend on how often pets go to the vet and what care they get. But the CPI shows vet care getting more expensive faster than prices in general.
How to compare your own renewal
- Work out your own change. Divide the new monthly premium by the old one, subtract 1, and multiply by 100.
- Check whether you changed anything, such as a deductible, limit or reimbursement level.
- Open your insurer's page to see its filings and the owner median, if there is one.
- Open your state page to see filings for your state.
If your change is far above the filed average, the reasons on our why did my pet insurance go up guide may explain part of it. The increase by age guide covers the age part.
Why we publish both numbers
Each number answers a different question. The filed average tells you what the insurer asked for across a whole state. The owner median tells you what people actually paid at renewal. Neither is a prediction for your pet. Together they show whether a renewal is typical or unusual.
We add filings as we find and check them. Each one links to the regulator's own record where we can reach it, or to a news report that quotes the filing, and we label which is which. The updated date at the top of this page changes when the data does.
Add your renewal
Owner reports are the part of this page that only owners can fill in. We don't ask for your name, email or policy number.
Sources
- U.S. Bureau of Labor Statistics, CPI Table 2, September 2026 (veterinarian services, pets and pet products, all items)
- Embrace help center, "Why did my premium change?"
- Lemonade, "Lemonade Pet Renewals: What You Need to Know"
- Trupanion sample pet insurance policy (TRU 00001), section 1c "Changes to your premium"
Sources last checked November 2, 2026. Live figures update as filings and owner reports are added. This is not advice on which insurer or policy to choose.