Pet Insurance Renewal Report 2026

What insurers filed with state regulators in 2026, and what owners report paying at renewal.

Updated

Key findings

  • We found 20 public rate filings dated 2026 from 9 insurers in 6 states. 17 of them are increases.
  • The middle filed change was +15%.
  • The highest was +53.4%, Pets Best in California (approved).
  • The lowest was -8.2%, a decrease from Nationwide in North Carolina (filed).
  • 6 of the 20 are approved. The rest are filed or under review, so the final numbers may differ.
  • Owner reports are still coming in. We have 0, and we show a median from 5.
  • For context, prices for veterinarian services rose 4.6% over the 12 months to September 2026, against 3.7% for all items (BLS).

Download the 2026 filings (CSV) · Cite this report

Filed rate changes by insurer

Middle filed rate change by insurerLemonade +29%, Figo +17.6%, Healthy Paws +16.3%, Pets Best +16%, Trupanion +16%, MetLife Pet +13%, Fetch +12.9%, Embrace 0%, Nationwide -8.2% Lemonade+29%Figo+17.6%Healthy Paws+16.3%Pets Best+16%Trupanion+16%MetLife Pet+13%Fetch+12.9%Embrace0%Nationwide-8.2%
Middle value of each insurer's filed or approved average rate changes dated in the year. Count of filings in the table below.
InsurerFilingsMiddle valueHighestStates
Lemonade2+29%+38.4% NJFL, NJ
Figo3+17.6%+27.1% FLFL, NJ, TN
Healthy Paws1+16.3%+16.3% CACA
Pets Best3+16%+53.4% CACA, NJ
Trupanion4+16%+27.4% TNCA, FL, GA, TN
MetLife Pet3+13%+36.9% CACA, FL
Fetch1+12.9%+12.9% CACA
Embrace20%0% TNGA, TN
Nationwide1-8.2%-8.2% NCNC

What owners report, by age

Owner reports are still coming in. We have 0, and we show a median from 5.

No insurer has 5 owner reports in any age band yet. This table fills in as reports come in.

Filings by state

StateFilingsMiddle valueInsurers
California7+16.3%Trupanion, MetLife Pet, Pets Best, Healthy Paws, Fetch
Florida4+16.3%Lemonade, MetLife Pet, Figo, Trupanion
Georgia2+4.8%Trupanion, Embrace
New Jersey3+17.6%Figo, Lemonade, Pets Best
North Carolina1-8.2%Nationwide
Tennessee3+14%Trupanion, Embrace, Figo

All states →

Methodology

Rate filings. We collect public pet insurance rate filings from state insurance department lists and SERFF, and from news reports that quote them. This report includes filings whose effective, approval or filing date falls in 2026. Each number is the overall average change in the filing, which covers all of an insurer's policyholders in that state. We use the approved figure when there is one, and otherwise the requested figure. Of the 20 filings, 7 link to the regulator's own record. The rest link to a news report, and the CSV says which.

Middle value. Where an insurer or state has several filings we show the median, the middle value. With two filings it is the halfway point.

Owner reports. Owners enter their old and new monthly premium. We compute the change and show medians, only from approved reports, and only at 5 or more. Very unusual entries are held for review. Reports are not a random sample.

What we leave out. We don't estimate or fill gaps. If a figure isn't published, it isn't here. Nothing in this report is advice on which insurer or policy to choose.

Cite this report

You're welcome to use these figures with a link back.

RenewalDog. "Pet Insurance Renewal Report 2026." Updated November 2, 2026. https://renewaldog.com/pet-insurance-renewal-report-2026

Data licensed CC BY 4.0. Underlying filings belong to the public record; see each source link.