Pet insurance rate increases in California
Updated
We found 13 filings from 9 insurers in California. A filing is the average change an insurer asked the state for, or got approved, across all its policyholders. Your own renewal can be higher or lower, mostly because of your pet's age.
+85%highest filed (ManyPets, 2024-07-26)
+30.7%most recent (Lemonade, 2027-02-14)
13filings from 9 insurers
Filed rate changes in California
| Insurer | Date | Avg change | Status | Source |
|---|---|---|---|---|
| Lemonade | Effective 2027-02-14 | +30.7% | Filed Lemonade Insurance Company | CDI 26-1630 / SERFF LEMO-134960956 (summary) California Department of Insurance, Public Notice of rate applications Pending. CDI public notice Sep 18, 2026. Proposed effective date per ERRRA. |
| Trupanion | Effective 2026-07-19 | +19% +28.1% requested | Approved American Pet Insurance Company | CDI 25-2461 / SERFF APII-134721123 (summary) California Department of Insurance, Rate Filing Approval/Closed List Approved Apr 15, 2026 (CDI). Effective date per Insurify. |
| MetLife Pet | Public notice 2026-07-17 | +7.6% | Filed Metropolitan General Insurance Company | CDI 26-1256 / SERFF META-134989125 California Department of Insurance, Public Notice of rate applications Pending. |
| Pets Best | Public notice 2026-06-05 | +3.4% | Filed Independence American Insurance Company PetsBest Legacy Medical | CDI 26-823 / SERFF IAIC-134937502 California Department of Insurance, Public Notice of rate applications Pending. Legacy Pets Best book. |
| Pets Best | Approved 2026-05-26 | +53.4% | Approved American Pet Insurance Company | CDI 26-52 / SERFF APII-134705349 California Department of Insurance, Rate Filing Approval/Closed List |
| Healthy Paws | Public notice 2026-04-24 | +16.3% | Filed Westchester Fire Insurance Company Pet Health 3.0 | CDI 26-569 / SERFF ACEH-134881437 California Department of Insurance, Public Notice of rate applications Pending. CDI lists the program as 'Pet Health 3.0'; the same company's approved filings list it as 'Healthy Paws 3.0'. |
| MetLife Pet | Approved 2026-03-24 | +36.9% +40% requested | Approved Metropolitan General Insurance Company | CDI 25-2234 / SERFF META-134710068 California Department of Insurance, Rate Filing Approval/Closed List |
| Fetch | Approved 2026-03-12 | +12.9% | Approved AXIS Insurance Company | CDI 25-2417 / SERFF AXSS-G134459223 California Department of Insurance, Rate Filing Approval/Closed List AXIS 'Pet Health Ins. Prog.'; AXIS underwrites Fetch policies in the U.S. |
| Nationwide | Approved 2025-04-07 | +26.6% +27.8% requested | Approved Veterinary Pet Insurance Company My Pet Protection Plus | CDI 24-2007 / SERFF VPIC-134252410 California Department of Insurance, Rate Filing Approval/Closed List |
| Healthy Paws | Approved 2025-03-07 | +44.8% | Approved Westchester Fire Insurance Company Healthy Paws 3.0 | CDI 24-2456 / SERFF ACEH-134339049 California Department of Insurance, Rate Filing Approval/Closed List |
| Embrace | Approved 2024-12-19 | +23.5% +24% requested | Approved American Modern Home Insurance Company | CDI 24-1315 / SERFF AMMH-134161654 California Department of Insurance, Rate Filing Approval/Closed List |
| Lemonade | Approved 2024-09-10 | +14% +16.6% requested | Approved Lemonade Insurance Company | CDI 23-3248 / SERFF LEMO-133758875 California Department of Insurance, Rate Filing Approval/Closed List |
| ManyPets | Approved 2024-07-26 | +85% | Approved Accredited Surety and Casualty Company ManyPets Pets Health Insurance | CDI 24-775 / SERFF MOCC-134027273 California Department of Insurance, Rate Filing Approval/Closed List |
From public state insurance rate filings (state DOI lists and SERFF) and news reports that quote them. Where we have the regulator's own record we link it first; "(summary)" links a news write-up. A filed average is across all policyholders, so one pet's increase can be very different.
What owners in California reported
No owner reports from California yet. We show a median once there are 5.
Insurers with California filings
Check the state regulator
The California Department of Insurance oversees insurers in California. Visit the regulator.