How pet insurance pricing really works

Your premium is a product of a dozen factors filed with your state's insurance regulator. Most of them grow every year by construction, and once your pet has a diagnosis you cannot leave. This wiki reads the filings so you can see the price for the whole life of your pet, not the first-year quote.

No affiliate links, no quotes sold. Ratings are computed from the filings; the methodology is public.

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Ratings, Florida

BrandABCDEFCoverageTotal15-year cost
Pets Best10.03.08.42.78.0no data7.56.3$33,190
Lemonade6.53.29.24.69.0no data3.56.1$51,222
Spot4.71.99.20.33.0no data8.83.7$70,343
Pumpkin4.21.99.20.33.0no data8.83.5$79,368

A lifetime cost · B age curve · C generosity (loss ratio vs 90%) · D rate increases · E price structure · F customer treatment. Methodology.

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