Pet insurance rate increases in Florida
Updated
We found 6 filings from 5 insurers in Florida. 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.
+27.1%highest filed (Figo, 2026-05-01)
+19.5%most recent (Lemonade, 2026-11-18)
6filings from 5 insurers
Filed rate changes in Florida
| Insurer | Date | Avg change | Status | Source |
|---|---|---|---|---|
| Lemonade | Effective 2026-11-18 Renewals 2027-01-02 | +19.5% | Under review Lemonade Insurance Company | ERRRA: Lemonade FL pet filing ERRRA Proposed: new business Nov 18, 2026; renewals Jan 2, 2027. Under review per source. |
| MetLife Pet | Effective 2026-09-15 | +13% | Filed Metropolitan General Insurance Company | ERRRA: MetLife FL pet filing ERRRA Medical +14%, preventive +8%. |
| Figo | Effective 2026-05-01 | +27.1% | Filed Independence American Insurance Company | ERRRA: Figo FL filing ERRRA Proposed overall increase of approximately 27.1% for medical coverages. |
| Trupanion | Effective 2026-02-01 | +12.9% | Approved American Pet Insurance Company | Insurify: Florida pet insurance rate hikes Insurify News |
| Healthy Paws | Effective 2025-11-17 | +14.6% | Approved ACE Property and Casualty Insurance Company | Insurify: Florida pet insurance rate hikes Insurify News |
| MetLife Pet | Effective 2025-10-01 | +26% | Approved Metropolitan General Insurance Company | Insurify: Florida pet insurance rate hikes Insurify News Overall increase; retroactive start date per source. |
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 Florida reported
No owner reports from Florida yet. We show a median once there are 5.
Insurers with Florida filings
Check the state regulator
The Florida Office of Insurance Regulation oversees insurers in Florida. Visit the regulator.