New and corrected pages on Pet Insurance Wiki, the encyclopedia that reads the pet insurance rate filings.https://petinsurance.wiki/enhttps://petinsurance.wiki/guides/pet-insurance-laws-by-state/https://petinsurance.wiki/guides/pet-insurance-laws-by-state/Added a state-by-state table of what each law says about pre-existing conditions: symptom prong, look-back, renewal protection and burden of proof; Maine listed under 2022, the year it passed its law, to match the mapThu, 15 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/glossary/https://petinsurance.wiki/guides/glossary/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-pet-insurance-is-priced/https://petinsurance.wiki/guides/how-pet-insurance-is-priced/Clarified that IAIC's healthy pet discount is a discount rule applied after the rating formula, not one of its factors, and stated its conditions from the filed manualWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-pet-insurance-is-priced/https://petinsurance.wiki/guides/how-pet-insurance-is-priced/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-pet-insurance-works/https://petinsurance.wiki/guides/how-pet-insurance-works/Added a diagram of who is who: underwriters, brands and sales partners, built from our state dataWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-pet-insurance-works/https://petinsurance.wiki/guides/how-pet-insurance-works/Corrected the yearly growth in premium per insured pet (about 8% in 2024 and 10% in 2025, from NAPHIA figures) and removed the claim that Trupanion is the only large player that is both underwriter and administratorWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-pet-insurance-works/https://petinsurance.wiki/guides/how-pet-insurance-works/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-to-choose/https://petinsurance.wiki/guides/how-to-choose/Corrected the Pumpkin split to about $25,400 for the first nine years and $56,200 for the last six: the exact figures summed to $81,644 against the $81,645 total because of roundingWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-to-choose/https://petinsurance.wiki/guides/how-to-choose/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-to-read-a-rate-filing/https://petinsurance.wiki/guides/how-to-read-a-rate-filing/Corrected the lead time: the approvals cited come about two to three months before the new rates take effect, not two to four months before the renewal letter; the gap between indicated and selected is now described as a sign that more increases may follow, not as a certain next increaseWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-to-read-a-rate-filing/https://petinsurance.wiki/guides/how-to-read-a-rate-filing/Full guide from the article section 9Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-cost-by-breed/https://petinsurance.wiki/guides/pet-insurance-cost-by-breed/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-laws-by-state/https://petinsurance.wiki/guides/pet-insurance-laws-by-state/Added a map of which states have adopted the NAIC model act, which have partial rules and which have noneWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-laws-by-state/https://petinsurance.wiki/guides/pet-insurance-laws-by-state/Corrected two claims to match the sources: the 30-day waiting-period cap is now attributed to Florida's statute rather than to every model-law state, and Maine is described as the earliest model-act state on the NAIC list (enacted 2022) rather than as the first state; Florida reviews usually take one to four months, not one to three (Pets Best 26-026451 took three and a half)Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-laws-by-state/https://petinsurance.wiki/guides/pet-insurance-laws-by-state/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-trap/https://petinsurance.wiki/guides/pet-insurance-trap/Added: all 17 state pet insurance laws let a symptom alone make a condition pre-existing (only Vermont limits the look-back, to 180 days) and none allows carrying coverage to another insurer; changing your plan can reset waiting periods and the pre-existing check (Embrace, Pumpkin, Pets Best, Figo); accident-only cover when the record already shows an illnessWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pet-insurance-trap/https://petinsurance.wiki/guides/pet-insurance-trap/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/pre-existing-conditions/https://petinsurance.wiki/guides/pre-existing-conditions/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/what-is-in-a-policy/https://petinsurance.wiki/guides/what-is-in-a-policy/Removed an unsourced claim that accident and illness plans are 95% of the market; the healthy pet discount is now marked as a Florida ruleWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/what-is-in-a-policy/https://petinsurance.wiki/guides/what-is-in-a-policy/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/why-pet-insurance-prices-rise/https://petinsurance.wiki/guides/why-pet-insurance-prices-rise/Corrected the age increases per birthday from the filed age tables (Florida: IAIC 16–30%, Lemonade 19–22% and 40–41% from 8 to 9), and made clear that in the 2026 Florida filings the insurers themselves asked for less than indicated; Lemonade's 12% is a net trend (claims growing faster than premium)Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/why-pet-insurance-prices-rise/https://petinsurance.wiki/guides/why-pet-insurance-prices-rise/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/enrolling-at-seven/https://petinsurance.wiki/cases/enrolling-at-seven/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/puppy-in-florida/https://petinsurance.wiki/cases/puppy-in-florida/Corrected the V4 age table: it has no cap and rises every year up to age 30 and over, not only to fifteen; rounded the Pumpkin split to about $25,400 and $56,200 so it matches the $81,645 totalWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/puppy-in-florida/https://petinsurance.wiki/cases/puppy-in-florida/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/same-dog-in-california/https://petinsurance.wiki/cases/same-dog-in-california/Corrected how much older Lemonade's California rates are: 16 to 20 months, not two yearsWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/same-dog-in-california/https://petinsurance.wiki/cases/same-dog-in-california/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/cases/trupanion-locked-age/https://petinsurance.wiki/cases/trupanion-locked-age/First publishedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/aspca/https://petinsurance.wiki/insurers/aspca/Corrected the Florida rate figures: the indicated +50.14% belongs to the Pumpkin channel (all channels together: +19.69% indicated, +16.16% selected), and the PTZ increase is described as the full indicated change rather than exactly what claims needed. Clarified that California's +7.9% is the overall change across V4 products and that the 60% cap applies at each of three renewals.Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/aspca/https://petinsurance.wiki/insurers/aspca/Corrected Florida base rates and wellness rates to the approved manual FL_20260724; separated the 1 January 2026 accident-wait change from the 1 October 2026 increase; marked the PTZ channel link to ASPCA as our research, not the filing; clarified age, renewal, waiver, hereditary-cover and loss-ratio wording; added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/embrace/https://petinsurance.wiki/insurers/embrace/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/fetch/https://petinsurance.wiki/insurers/fetch/Clarified the California loss ratio: the 1.126 development factor applies to losses only (1.000 for defense and cost-containment expense), which gives 61.8%Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/fetch/https://petinsurance.wiki/insurers/fetch/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/figo/https://petinsurance.wiki/insurers/figo/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/healthy-paws/https://petinsurance.wiki/insurers/healthy-paws/The California underwriter is shown as not identified instead of falling back to ACE Property and Casualty; added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/lemonade/https://petinsurance.wiki/insurers/lemonade/Corrected the Florida trend: the 12% a year is the net trend, claim costs growing faster than premium, not total cost growthWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/lemonade/https://petinsurance.wiki/insurers/lemonade/Corrected from the filing texts: the approved Florida manual rates an unlimited limit (the online quote offered at most $100,000); the Florida age increase applies from age 9 and only at renewal; age ceilings by breed group; sources for the cured-condition rule and the California loss figures; added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/metlife/https://petinsurance.wiki/insurers/metlife/Clarified the 80% renewal cap in filing 25-2234: it limits a renewal increase for one year only, and any change to the policy cancels it. Corrected the Healthy Pet Incentive note: the policy sample and the visible FAQ give $50; only the FAQ's hidden search markup says "$25 or $50", and neither filing 25-2234 nor the Florida disclosure mentions the incentive.Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/metlife/https://petinsurance.wiki/insurers/metlife/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/nationwide/https://petinsurance.wiki/insurers/nationwide/Corrected the Florida filing dates: 26-013923 was approved on 1 September 2026 with an effective date of 11 June 2026; 25-056884 takes effect on 14 August 2026 for new policies and 22 October 2026 for renewals. Clarified that 8 April 2025 is the date the CDI acknowledged the corrected effective date of 24-2007, and that the behavioral and prescription food limits are chosen from $40, $60, $80 or $100.Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/nationwide/https://petinsurance.wiki/insurers/nationwide/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pets-best/https://petinsurance.wiki/insurers/pets-best/Stated that Florida approved the 2026 rates on 3 September 2026, a day after their 2 September effective date; put the 2023 amendment's deadlines in the past tense; clarified the source of the $51.4 million: it is APIC's 2024 California earned premium for Pets Best in filing 25-2461, where CDI 24-2140 is listed as that program's latest filingWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pets-best/https://petinsurance.wiki/insurers/pets-best/Added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pumpkin/https://petinsurance.wiki/insurers/pumpkin/Corrected the comparison of Pumpkin's indicated and selected Florida increases: rates would need to rise another 14.3% to reach the indication, on claims alone or including the January change. Clarified that California's +7.9% is the overall change across V4 products and that the 60% cap applies at each of three renewals.Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pumpkin/https://petinsurance.wiki/insurers/pumpkin/Florida prices now use the approved manual FL_20260724 in filing 26-024273 (the draft FL_20260430 was used before); the Florida filing row and scores use Pumpkin's own channel figures (+31.31%, indicated +50.14%, projected loss ratio 89.81%); added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/spot/https://petinsurance.wiki/insurers/spot/Corrected the Florida rate figures: the indicated +50.14% belongs to the Pumpkin channel (all channels together: +19.69% indicated, +16.16% selected), and Spot's increase is described as the full indicated change rather than exactly what claims needed. Clarified that California's +7.9% is the overall change across V4 products and that the 60% cap applies at each of three renewals.Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/spot/https://petinsurance.wiki/insurers/spot/Corrected Florida base rates and wellness rates to the approved manual FL_20260724; separated the 1 January 2026 accident-wait change from the 1 October 2026 increase; removed unsourced ownership and administrator claims and an unsupported renewal claim; clarified age, renewal, waiver and loss-ratio wording; added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/trupanion/https://petinsurance.wiki/insurers/trupanion/Added how Trupanion sets prices (71% payout target, age locked at enrollment, the actuary's premium trend), the full California rate history since 2017, retention and revenue per pet from the 2025 10-K, the 2024 shareholder letter, and the list of Florida filings; linked the new case on the locked age factorWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/trupanion/https://petinsurance.wiki/insurers/trupanion/Corrected the policyholder count to one figure, 94,327 from the summary of filing 25-2461 (its dislocation exhibit totals 94,326); stated that the nine increases since 2017 compound to +294.9%; named the California Department of Insurance as the source of the 19.0% indicationWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/trupanion/https://petinsurance.wiki/insurers/trupanion/Florida: no longer show Insurify's +12.9% as the approved change in filing 25-043052, since it does not come from the filing and its attribution is uncertain; added APIC filings 24-108678 (informational) and 26-021802 (withdrawn) to the Florida list; added BBB and Trustpilot ratings checked on 13 October 2026Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/california/https://petinsurance.wiki/states/california/Added payout table: earned premium, incurred losses and the loss ratio for each insurer, against the permissible ratio and the 90% idealWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/california/https://petinsurance.wiki/states/california/The illness waiting-period cap is shown as unknown rather than none, since our sources do not establish one; the Healthy Paws underwriter in California is shown as not identifiedWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/Added payout table: earned premium, incurred losses and the loss ratio for each insurer, against the permissible ratio and the 90% idealWed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/Corrected the Lemonade example: the +23.7% indication comes from the OIR rate indications form, which also counts fixed expenses (+23.5% after credibility weighting); it is not 83.1% divided by 65%. OIR usually decides in one to four months, not one to three (Pets Best 26-026451 took three and a half)Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/The filings list now shows every recorded Florida filing with its headline figures, adds American Pet Insurance Company filings 24-108678 and 26-021802, and no longer shows an approved percentage for 25-043052; IAIC 26-024273 prices use the approved manual FL_20260724Wed, 14 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/guides/how-to-read-a-rate-filing/https://petinsurance.wiki/guides/how-to-read-a-rate-filing/First publishedTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/aspca/https://petinsurance.wiki/insurers/aspca/Full review: added Florida and California state pages, California filing 25-613, pros, cons and open questionsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/aspca/https://petinsurance.wiki/insurers/aspca/Draft page from filing IAIC 26-024273Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/embrace/https://petinsurance.wiki/insurers/embrace/Corrected the age rule: accident-only enrollment at 15 and older appears only in the guidelines filed with pending 26-812. Moved the Florida rate filings to unverified because their direction is not public. Corrected the Claim History ages, the 2022 accident-only example, the 60-day cancellation clause and the Florida group attributionTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/embrace/https://petinsurance.wiki/insurers/embrace/First draft from California filing 26-812 and the Florida IRFS filing listTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/fetch/https://petinsurance.wiki/insurers/fetch/Corrected the California loss-ratio statement: the +12.9% was set on the rate template's adjusted ratios (74.8%, 71.8%, 74.5%) for years ending 30 June, not on the raw 55-65% ratios. Marked the rate manual and the optional exclusion endorsements as California sources, clarified the prior-claims thresholds, the deductible options and the Florida 50-claim rule, and removed the pro about puppies and the age-at-inception factor.Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/fetch/https://petinsurance.wiki/insurers/fetch/First published from California filing 25-2417 and the Florida sample policy GPTM 050 FL 1125 ATue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/figo/https://petinsurance.wiki/insurers/figo/Corrected direct vet pay: the sample policy lets the owner have a claim paid to the vet. Limited the policy terms to the generic sample policy that Figo links for Florida, added its dental, behavioural, pre-existing, deductible and installment-fee terms, and marked the 53% loss figure as countrywideTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/figo/https://petinsurance.wiki/insurers/figo/First draft from the Florida IRFS and California CDI filing lists, IAIC filings 25-613 and 25-046756, and Figo's published sample policyTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/healthy-paws/https://petinsurance.wiki/insurers/healthy-paws/Corrected: added Florida filing 25-049230; moved the Florida waiting-period waiver out of the pros, since state law requires it of every insurer; removed an unlinked +14.6% figure; named S&P Global Market Intelligence as the source of the premium ranking; withdrew the Florida price-structure score until the rate pages are readTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/healthy-paws/https://petinsurance.wiki/insurers/healthy-paws/First published: Florida filings 26-024890, 26-041673 and 26-041607, Florida disclosure PI-59918Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/lemonade/https://petinsurance.wiki/insurers/lemonade/Full review: added California filing 23-3248, the Florida rate history from filing 26-034247 and the pending Metromile form filing 26-042253Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/lemonade/https://petinsurance.wiki/insurers/lemonade/Draft page from filing Lemonade 26-034247Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/metlife/https://petinsurance.wiki/insurers/metlife/Corrected the age rule for unlimited limits to the filing's "at inception" wording, added a source to every coverage fact, and explained the +41.4% indication, the 92.3% loss ratio, the family plan minimum premium and the employer group discountTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/metlife/https://petinsurance.wiki/insurers/metlife/First draft from California filing 25-2234 and the Florida disclosure PET-DISC-2023Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/nationwide/https://petinsurance.wiki/insurers/nationwide/Corrected the effective date of California filing 24-2007 to 28 August 2025. Limited the 'How it works' section to the plans actually read. Corrected the cruciate, excluded-condition review and behavioral/prescription food terms. Added the renewal underwriting terms and the unread filings 24-2032 (California) and 25-056884 (Florida).Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/nationwide/https://petinsurance.wiki/insurers/nationwide/Draft page from California filing 24-2007 and the Florida filing registerTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pets-best/https://petinsurance.wiki/insurers/pets-best/Corrected after review: the 2026 Florida increase is now given as +24.4% for accident-and-illness coverage (+20.2% overall) against indications of +60.5% and +51.6%; added the first-year vet-exam discount; corrected the age-cap description, the legacy age table, the 2023 agreement amendment and the California filingsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pets-best/https://petinsurance.wiki/insurers/pets-best/Rewritten from the approved versions of filings 26-026451 and 26-022783: final 2026 increase, closed legacy block, Florida policy terms, open questionsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pets-best/https://petinsurance.wiki/insurers/pets-best/Draft page from filing IAIC 26-026451Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pumpkin/https://petinsurance.wiki/insurers/pumpkin/Corrected Florida base rates to the approved manual FL_20260724; separated the 1 January 2026 accident-wait change from the 1 October 2026 increase; replaced an unsourced ownership claim with the policy disclosure; clarified age, renewal, waiver and loss-ratio wordingTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pumpkin/https://petinsurance.wiki/insurers/pumpkin/Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questionsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/pumpkin/https://petinsurance.wiki/insurers/pumpkin/Draft page from filing IAIC 26-024273Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/spot/https://petinsurance.wiki/insurers/spot/Full review: added California filing 25-613, how the V4 program works in both states, pros, cons and open questionsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/spot/https://petinsurance.wiki/insurers/spot/Draft page from filing IAIC 26-024273Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/trupanion/https://petinsurance.wiki/insurers/trupanion/Corrected the 2026 California increase to the approved +19.0% (the company had asked for +28.1%); noted that the filing's customer-dislocation counts were computed for the original request, not the approved change; noted that $195.71 excludes the Recovery and Complementary Care rider and that the manual has an 8.33% first-year discount under the exam-day offer; dated the loss ratio to the year ending 30 September 2025Tue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/insurers/trupanion/https://petinsurance.wiki/insurers/trupanion/First published from California filing 25-2461 and the Florida OIR list of APIC filingsTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/california/https://petinsurance.wiki/states/california/Corrected the effective date of filing 25-613 to 1 August 2026 and added its accident and illness figures (+13.9% requested, +12.0% approved); added Fetch's waiting period for injuries from normal activity and Nationwide's cruciate cover from the first renewalTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/california/https://petinsurance.wiki/states/california/First publishedTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/Corrected Lemonade's 83.1% to a loss and claim-handling expense ratio, noted that some OIR reviews take about six months (25-056884), and that filings made in 2025 can still be under LivestockTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/Expanded with law summary and IRFS guideTue, 13 Oct 2026 00:00:00 GMThttps://petinsurance.wiki/states/florida/https://petinsurance.wiki/states/florida/Draft pageTue, 13 Oct 2026 00:00:00 GMT