Pet insurance in Florida

From Pet Insurance Wiki · last updated 15 Oct 2026 from public rate filings
Prices and ratings forFLFloridaChange state
Your dogFrench Bulldog · puppy, under 115 years of cover

Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.

The trap the ads don't mention. To exclude a condition from coverage, an insurer needs only one symptom in any vet record from your pet's whole life, not a diagnosis. It reads the whole record, not just the claims you filed. After the first vet entry you can't switch insurers without losing coverage, so you pay whatever increase comes: up to +31% at once in 2026. And Pumpkin, Spot and ASPCA in Florida also charge long-time customers a tenure surcharge, about +3% for every year. How the trap works and what to do
This article is built from regulator filings, not from insurers' marketing. Every number is traceable to a filing on IRFS, the Florida Office of Insurance Regulation's filing system. Ratings are opinion based on those facts; the methodology is public and no score is typed in by hand.
Insurer pages for Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide and Trupanion are drafts: we have not read their Florida rate pages yet.[c] Figures may be corrected; see recent changes.

Your premium is built from about a dozen factors that the insurer gets approved by your state's insurance regulator. Most of them rise every year simply because that is how the formula works, and once your pet has a diagnosis, you can no longer switch to another insurer. This wiki reads the rate filings so you can see the price over your pet's whole life, not just the first year.

In 2026, Florida approved all three rate filings: one exactly as requested, two slightly below the request[1][2][3][b]. The same French Bulldog costs between $33,190 and $81,645 over 15 years depending on the brand[5][a].

Our position [click a thesis for the evidence]

  1. [1][2][3]

    Age tables grow every year until 12–14. Nobody quotes you year 12.
    4.6–5.4×
    age 12 vs age 2
    Evidence from the filings
    At filed rates the French Bulldog costs $71/mo at Pets Best at age 2 and $346 at age 12; Lemonade $119 → $544; Spot $135 → $724; ASPCA $145 → $782; Pumpkin $155 → $834. That is before any approved increase is added on top.
    Price-by-age tables, filings 26-026451, 26-034247, 26-024273

  2. [1][2][3]

    In 2026, Florida approved all three rate filings: one exactly as requested, two slightly below the request.
    3 of 3
    approved
    Evidence from the filings
    Requested vs approved: Pets Best +27.4% / +24.4%, Lemonade +23.0% / +22.0%, ASPCA +12.8% / +12.8%, Spot +12.5% / +12.5%, Pumpkin +31.3% / +31.3%. Budget for 10–30% a year, not inflation.
    IRFS, 2026 pet filings

  3. After the first claim, switching insurers means losing coverage for that condition.
    0
    ways out after a claim
    Evidence from the filings
    Every new policy excludes conditions that showed signs before enrollment. Once your pet has a history, the insurer can raise the price knowing you can't leave without losing that cover. Every brand rated here lets curable conditions return to coverage.
    Policy forms, pre-existing condition clauses

  4. Online quotes can run on an old rate manual for weeks.
    38.8%
    Pets Best quote gap
    Evidence from the filings
    Pets Best: The 26-026451 manual has no tenure factor, no claims-based discount, a $2 installment fee and a 5% multi-pet discount, but on 8 October 2026 the website still quoted the December 2025 manual; for 90% reimbursement with no limit the approved rate is 38.8% higher than that quote. You sign at the quoted price and renew at the filed one.
    Website quote checks

  5. [5]

    The same dog, the same coverage, a 2.5× gap in lifetime cost.
    $48,455
    cheapest vs priciest
    Evidence from the filings
    Fifteen-year total at today's filed rates: Pets Best $33,190, Lemonade $52,847, Spot $70,929, ASPCA $76,600, Pumpkin $81,645. Here the cheapest brand in year one is also the cheapest overall, but the gap widens every year.
    Lifetime cost, reference profile, Florida

Approved rate increases, 2026

3 filings on file for 2026. Florida approved all three rate filings: one exactly as requested, two slightly below the request.

Renewal estimates below are for $100 a month today.

  • Pets BestFiling 26-026451[1]Effective 2 Sep 2026
    PARTLY APPROVED
    +24.4%
    Requested+27.4%
    Approved+24.4%
    Indicated+60.5%
    Next renewal$124/mo
    If repeated 3 years$193/mo
    Loss ratio 94% projected vs 59% permissible
    +36.1 pts owedTheir actuary indicated more than was approved. Expect another increase.
  • LemonadeFiling 26-034247[2]Effective 18 Nov 2026
    PARTLY APPROVED
    +22.0%
    Requested+23.0%
    Approved+22.0%
    Indicated+23.7%
    Next renewal$122/mo
    If repeated 3 years$182/mo
    Loss ratio 83% projected vs 65% permissible
  • ASPCAFiling 26-024273[3]Effective 1 Oct 2026
    APPROVED IN FULL
    +12.8%
    Requested+12.8%
    Approved+12.8%
    Indicated+12.8%
    Next renewal$113/mo
    If repeated 3 years$144/mo
    Loss ratio 67% projected vs 60% permissible[b]
  • SpotFiling 26-024273[3]Effective 1 Oct 2026
    APPROVED IN FULL
    +12.5%
    Requested+12.5%
    Approved+12.5%
    Indicated+12.5%
    Next renewal$113/mo
    If repeated 3 years$142/mo
    Loss ratio 67% projected vs 60% permissible[b]
  • PumpkinFiling 26-024273[3]Effective 1 Oct 2026
    APPROVED IN FULL
    +31.3%
    Requested+31.3%
    Approved+31.3%
    Indicated+50.1%
    Next renewal$131/mo
    If repeated 3 years$226/mo
    Loss ratio 90% projected vs 60% permissible[b]
    +18.8 pts owedTheir actuary indicated more than was approved. Expect another increase.

Ratings, Florida [sort by any column · click a brand for the breakdown]

Ratings, Florida: scores A to F out of 10, weighted total, lifetime cost for the dog chosen above and coverage score. Column headers sort the table; brand buttons open the score breakdown.
110.03.010.01.88.0n/d6.4$33,1907.5
Score breakdown for Pets Best
A. Lifetime cost10.0
B. Age curve3.0
C. Generosity (loss ratio)10.0
D. Rate increases1.8
E. Price structure8.0
F. Customer treatmentno data
Coverage (separate)7.5
Underwriter
Independence American Insurance Company
Last filing
26-026451 · +24.4%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
4.9× ($71 → $346/mo)

Annual formula with no tenure factor and no claims-based discount; a first-year-only discount of 8.33% or 10% applies only to pets under 8 enrolled within 24 hours of a vet exam. The manual caps each age column at the breed's expected-life age, although the EL09, EL11 and EL14 columns rise one or two years longer; $2 per installment; discounts stack to 12% (26-026451). On 8 October 2026 the website quoted the manual effective 2 December 2025, not the one in force since 2 September 2026.

Full Pets Best Florida review →
26.33.29.24.66.0n/d5.7$52,8476.0
Score breakdown for Lemonade
A. Lifetime cost6.3
B. Age curve3.2
C. Generosity (loss ratio)9.2
D. Rate increases4.6
E. Price structure6.0
F. Customer treatmentno data
Coverage (separate)6.0
Underwriter
Lemonade Insurance Company
Last filing
26-034247 · +22.0%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
4.6× ($119 → $544/mo)

No factor for years insured and no claims-based factor, but the 16.5% rise in the age factor for dogs aged 9 and older applies to renewals only, so a renewing older dog pays more than a new one; $3 per monthly installment; discounts stack up to 20%; multi-pet 10% per policy (filing 26-034247)

Full Lemonade Florida review →
34.31.97.57.95.0n/d5.2$76,6008.8
Score breakdown for ASPCA
A. Lifetime cost4.3
B. Age curve1.9
C. Generosity (loss ratio)7.5
D. Rate increases7.9
E. Price structure5.0
F. Customer treatmentno data
Coverage (separate)8.8
Underwriter
Independence American Insurance Company
Last filing
26-024273 · +12.8%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
5.4× ($145 → $782/mo)

Same V4 manual as Pumpkin and Spot (PTZ channel base rate $105.94, approved manual FL_20260724): tenure +3.1% per year; healthy-pet 10% only without paid claims; multi-pet 10%; $2 installment fee; $15 enrollment fee

Full ASPCA Florida review →
44.71.97.58.03.0n/d5.1$70,9298.8
Score breakdown for Spot
A. Lifetime cost4.7
B. Age curve1.9
C. Generosity (loss ratio)7.5
D. Rate increases8.0
E. Price structure3.0
F. Customer treatmentno data
Coverage (separate)8.8
Underwriter
Independence American Insurance Company
Last filing
26-024273 · +12.5%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
5.4× ($135 → $724/mo)

Same V4 program as Pumpkin: tenure +3% per year; healthy-pet 10% only without claims

Full Spot Florida review →
54.11.910.00.3n/dn/d3.7$81,6458.8
Score breakdown for Pumpkin
A. Lifetime cost4.1
B. Age curve1.9
C. Generosity (loss ratio)10.0
D. Rate increases0.3
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)8.8
Underwriter
Independence American Insurance Company
Last filing
26-024273 · +31.3%
Dog
French Bulldog, 15-year cost
Age 12 vs age 2
5.4× ($155 → $834/mo)

Tenure +3% per year; healthy-pet 10% only without claims

Full Pumpkin Florida review →

Not ranked yet in Florida, because we have not read rate pages for them and cannot price the reference pet: Trupanion, Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide.

Re-weight the scales yourself · total is a weighted average over scales with data (methodology v1)

F (customer treatment) has no data yet for Florida, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.

How much insurers actually pay out

The loss ratio is the share of premiums an insurer pays back in claims; we treat 90% as the ideal (scale C of the methodology), because the law requires human health insurers to pay out at least 80–85%.

Florida: earned premium, incurred losses and the loss ratio from each insurer's latest filing that reports them, against the permissible ratio in that filing and the 90% ideal
InsurerYearEarned premiumLosses incurredLoss ratioPermissibleRatio, permissible, 90%
LemonadeLemonade Insurance CompanyFiling 26-034247, p. 7882025$11.7M$8.0M68.5% actualprojected: 83.1%65.0%
Pumpkin, Spot, ASPCAIndependence American Insurance CompanyFiling 26-024273, p. 9102025$38.4M$22.2M57.7% actualprojected: Pumpkin 89.8%, Spot 67.3%, ASPCA 67.5%60.4%
Pets BestIndependence American Insurance CompanyFiling 26-026451, p. 934year to 30 Sep 2025$7.5M$3.9M52.3% actualprojected: 94.4%58.8%

Premium and losses are for the year shown, as the filing reports them. Losses include claim-handling costs where the filing gives them, with no allowance for claims not yet reported. A projected ratio is the insurer's own forecast at current rates; scale C uses the latest ratio on file.

Price by age

Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.

Monthly premium by age for 5 brands in Florida; every number is in the table below the chart.$0$250$500$750$1,000$1,25002468101214

Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.

All numbers: monthly premium by age, French Bulldog, none (filed rates)
AgeASPCALemonadePets BestPumpkinSpot
0$154$140$78$164$143
1$146$119$71$155$135
2$145$119$71$155$135
3$159$119$71$170$148
4$179$132$79$191$166
5$218$156$96$233$202
6$263$185$116$280$244
7$318$221$145$339$294
8$407$265$180$433$376
9$501$370$219$534$464
10$601$439$283$640$556
11$678$505$318$723$628
12$782$544$346$834$724
13$888$544$346$947$822
14$944$544$346$1,007$874

Law and regulator in Florida

What Florida law guarantees; "unknown" means our sources do not establish it.
RegulatorFlorida Office of Insurance Regulation
Rate filingsIRFS
Pet insurance lawFla. Stat. §627.71545 (2025)
Injury waiting period cap0 days
Illness waiting period cap30 days
Waiting period waivable by a vet examyes
Covered conditions protected at renewalyes
Burden of proof on the insureryes
Disclosure document requiredyes

What the law guarantees

Florida passed its Pet Insurance Act in 2025 (Florida Statutes §627.71545, chapter 2025-11). It follows the NAIC Pet Insurance Model Act, a template law that state regulators wrote for other states to copy. The key point for a buyer: before the sale, the insurer must give you a document called the Insurer Disclosure of Important Policy Provisions. The insurer’s home page must link to it. The document tells you:

  • whether the policy excludes chronic, congenital, hereditary and pre-existing conditions (illnesses the pet had before the policy);
  • the policy’s waiting periods, deductibles, reimbursement percentage and limits;
  • whether the premium rises with age, after claims or when you move;
  • which company is the insurer, if a brand sells the policy.

If you have made no claims, you can return the policy within 30 days for a full refund.

Injuries have no waiting period. Illnesses and orthopedic conditions not caused by an accident can have a waiting period of up to 30 days. The insurer must let you waive it with a vet exam. To comply, Independence American dropped the 14-day accident waiting period from its V4 program (Pumpkin, Spot, ASPCA). It priced the change at +1.05% (filing 25-046756, effective 1 January 2026).

If the insurer denies a claim as pre-existing, it must prove the exclusion applies. A condition the policy already covered cannot become pre-existing when you renew with the same or an affiliated insurer. The insurer cannot require a vet exam for renewal. This protection works only while coverage is continuous.

An insurer cannot make you buy a wellness program to get a policy. Under the law, wellness is not insurance. The Department of Financial Services, Division of Consumer Services, takes complaints about denied claims. The law does not limit the size of a rate increase.

How rates are approved

To change its rates, an insurer files with the Office of Insurance Regulation (OIR). OIR usually decides within one to four months. National Casualty’s filing 25-056884 (Nationwide) took almost six: filed 17 December 2025, approved 11 June 2026.

OIR sends the insurer objection letters. One letter on Lemonade’s 2026 filing (26-034247) listed 22 objections. OIR approves increases that the loss ratio (the share of premium paid out in claims) supports. Lemonade projected that claims and the cost of handling them (its loss and LAE ratio) would take 83.1% of premium. The permissible level is 65%: expenses and profit take the other 35%. OIR’s standard rate indications form also counts fixed expenses separately and gives an indicated increase of +23.7%, or +23.5% after credibility weighting (an adjustment for how much data stands behind the figure). Lemonade asked for +22.0%, and OIR approved it for accident and illness coverage: from 18 November 2026 for new policies and from 2 January 2027 for renewals.

An insurer can raise rates by less than its own calculation calls for. In filing 26-024273, the Pumpkin channel of Independence American’s V4 program indicated +50.1% and took +31.3%. It carried the rest over to a later filing.

Reading filings in IRFS

The filings are public in IRFS (irfssearch.floir.gov):

  1. Open Quick Search and enter the insurer’s name, not the brand: “Independence American” for Pumpkin, Spot, ASPCA, Pets Best and Figo; “American Pet Insurance” for Trupanion; “Lemonade Insurance Company” for Lemonade. Filings made from 2026 on are under “Inland Marine / Pet Insurance”. Earlier ones, including many made in 2025 (Lemonade 25-034141, National Casualty 25-056884), are under “Livestock (Animal Mortality)”.
  2. Pick the rate filings and look at “Effective Date (New / Renewal)”. This is the day new policies and renewals move to the new rates.
  3. Open the filing and request the documents: “Single request, entire filing”, your email, a captcha. The PDF arrives by email and often runs to several hundred pages.
  4. In the PDF, find:
    • the cover letter, which shows which brands share one program;
    • the overall rate change;
    • “indicated” and “selected”: how much the insurer’s calculation calls for and how much it actually asked for;
    • the actual loss ratio and the permissible one;
    • the trend: the yearly growth in claims built into the rates;
    • the age, breed and territory factor tables;
    • the renewal impact distribution: how many customers get +40% or more at renewal.

Rate filings in Florida

Every Florida pet filing we have recorded, newest first, with the filing's headline figures. Insurer pages show each brand's own figures where one filing sets different increases for different brands.

BrandsFilingEffectiveStatusRequestedApprovedIndicatedLoss ratioPermissible LRSource
Embrace26-0319212 Jun 2027approvedsource [1]
Fetch26-02500015 Jan 2027approvedsource [2]
Trupanion26-0355282 Jan 2027approvedsource [3]
Embrace26-0266611 Jan 2027approvedsource [4]
Lemonade26-03424718 Nov 2026approved+23.0%+22.0%+23.7%83% projected (2025)65%source [5]
Pumpkin, Spot, ASPCA26-0242731 Oct 2026approved+31.3%+31.3%+50.1%72% projected (2025)60%source [6]
Healthy Paws26-041673filed 28 Sep 2026filedsource [7]
Healthy Paws26-041604filed 28 Sep 2026filedsource [8]
Trupanion26-041300filed 22 Sep 2026filedsource [9]
MetLife26-03022615 Sep 2026approvedsource [10]
Pets Best26-0264512 Sep 2026approved+27.4%+24.4%+60.5%94% projected (2025)59%source [11]
Trupanion26-0218621 Sep 2026approvedsource [12]
Trupanion26-0391031 Sep 2026informationalsource [13]
Nationwide25-05688414 Aug 2026approvedsource [14]
Trupanion25-0557972 Jul 2026approvedsource [15]
Healthy Paws26-02489015 Jun 2026approvedsource [16]
Nationwide26-01392311 Jun 2026approvedsource [17]
Embrace26-026538filed 21 May 2026withdrawnsource [18]
Figo26-0133831 May 2026approvedsource [19]
Trupanion26-021802filed 23 Apr 2026withdrawnsource [20]
Healthy Paws26-021440filed 21 Apr 2026withdrawnsource [21]
Trupanion25-03798424 Feb 2026approvedsource [22]
Trupanion25-0430521 Feb 2026approvedsource [23]
Trupanion26-0041691 Feb 2026informationalsource [24]
Healthy Paws25-04923019 Jan 2026approvedsource [25]
Embrace25-01237511 Nov 2025approvedsource [26]
Trupanion25-0046981 Sep 2025approvedsource [27]
Trupanion25-0112602 Jul 2025approvedsource [28]
Trupanion24-06633324 Feb 2025approvedsource [29]
Trupanion24-1086781 Jan 2025informationalsource [30]
Embrace24-00084211 Nov 2024approvedsource [31]
Trupanion24-0217792 Oct 2024approvedsource [32]
Notes on these filings (32)
  1. 26-031921: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 26 June 2026, approved 17 September 2026, effective 2 June 2027 for new and renewal policies, five months after the previous approved filing 26-026661. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  2. 26-025000: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 12 May 2026, approved 10 August 2026, effective 15 January 2027 for new policies and 31 March 2027 for renewals, the same dates as the new Florida form GPTM 050 PML FL 0326 in forms filing 26-029242. Documents not obtained, so the approved change is unknown. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  3. 26-035528: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 30 July 2026, approved 8 October 2026, effective 2 January 2027 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, trupanion/analysis-2026-10-13.md.
  4. 26-026661: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 22 May 2026, approved 10 July 2026, effective 1 January 2027 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  5. 26-034247: Approved 24 September 2026 (manual edition November 2026). OIR rate indications form: projected loss and LAE ratio 83.1%, built from accident years 2023 (95.2%), 2024 (84.1%) and 2025 (80.8%), trended and developed; permissible 65.0%; indicated +23.7% (+23.5% after credibility). At the rates actually charged, the 2023–2025 incurred loss and LAE ratio was 70.8% for accident and illness (Exhibit 14). Lemonade first asked for +23.0% for accident and illness and lowered it to +22.0% after correcting its loss development factors. Rates are from the approved manual. The manual rates an unlimited annual limit: at a $1,000 deductible and 90% the factor is 1.0554 for Unlimited (manual page 69) and 0.8783 for $100,000 (page 72), so Unlimited costs 20.2% more. Prices on this site use the filed Unlimited limit. Lemonade's online quote in Florida in October 2026 offered annual limits only up to $100,000 and deductibles only up to $750. Lemonade re-derived its $100,000 factors during review (the 2025 manual and the first submission had 1.0214). ZIP 33545 is not listed in the filed ZIP table (33543 is 0.8807, 33544 is 0.8402); the 0.864 territory factor was back-solved from a Lemonade quote for 33545 on the 2025 manual and is not a filed value. Dog age factors depend on the breed group (A-L); from age 9 (for group E, which includes the French Bulldog: 3.3669 at 9 to 5.0095 at 12 and over) they include the 16.5% increase that the actuarial memorandum applies to renewal business only.
  6. 26-024273: Approved 29 July 2026. The loss ratio is for the whole V4 medical program in Florida, dogs and cats, all three sales channels: projected loss and LAE ratio 71.9% (OIR rate indications form, accident years 2021–2025) against a permissible 60.42%. At the rates actually charged, the 2025 incurred loss ratio was 61.7% for medical coverage (OIR-B1-595). By channel (Exhibit 3a): PTZ 67.47%, Pumpkin 89.81%, Spot 67.28%. The increase also differs by channel: indicated +12.85% PTZ, +50.14% Pumpkin, +12.53% Spot; selected +12.85%, +31.31% and +12.53%. The cover letter gives +18.97% for medical coverage and +15.0% overall. The filing-level requested, approved and indicated percentages are Pumpkin's; on each brand's page the filing row shows that channel's own figures and projected loss ratio. The filing does not name the brands sold through the PTZ channel; ASPCA is priced here with the PTZ base rate.
  7. 26-041673: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 September 2026, still open on 13 October 2026. The effective date (6 November 2026 for new and renewal policies) is the date requested, not an approved one. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  8. 26-041604: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 September 2026, still open on 13 October 2026; 1 January 2027 for new and renewal policies is the date requested. It accompanies forms filing 26-041607, a new Pet Health Indemnity Insurance Policy PI-59923 with a Continuity of Care Coverage Endorsement. The research note links Westchester Fire to Healthy Paws through that form and a New Hampshire Healthy Paws disclosure (PI-59920) that names Westchester Fire among its insurers. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  9. 26-041300: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 22 September 2026, still open on 13 October 2026. The effective date (24 February 2027 for new and renewal policies) is the date requested, not an approved one. Documents not obtained, so the size of the change is unknown. Research notes: floir-rate-filings.md, trupanion-notes.md.
  10. 26-030226: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 12 June 2026, approved 6 August 2026, effective 15 September 2026 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research note: fl-irfs-pet-filings-2026-10-13.md.
  11. 26-026451: Approved 3 September 2026 after three revisions. Approved version (company response of 26 August 2026), medical coverage: projected loss and LAE ratio 94.4% (accident years 2024 81.6%, 2025 95.4%; Florida data to 30 September 2025) against a permissible 58.81%; indicated +60.5%, selected +24.4%; +20.2% overall with wellness unchanged. The latest-year incurred loss ratio at the rates charged is 47.0% for medical coverage (OIR-B1-595). The first submission asked for +27.4% on an indication of +28.5%; in OIR's words, corrections during review raised the company's overall indication from 25.1% to 51.6%. Base rate $769.13 to $928.12 (+20.7%). The factor for 90% reimbursement with no annual limit rose from 1.0500 to 1.2075, so for that plan the base rate and this factor together rise 38.8%, well above the 24.4% average.
  12. 26-021862: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 23 April 2026, approved 21 May 2026, effective 1 September 2026 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, trupanion/analysis-2026-10-13.md.
  13. 26-039103: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 August 2026, closed as informational on 16 September 2026, effective 1 September 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  14. 25-056884: IRFS filing card: rates filing, filed 17 December 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 11 June 2026, effective 14 August 2026 for new policies and 22 October 2026 for renewals. Lemonade cites it as an approved competitor pet filing in its own filing 26-034247. Documents not obtained. Research note: floir-rate-filings.md.
  15. 25-055797: IRFS filing card: rates filing, filed 2 December 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 30 January 2026, effective 2 July 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  16. 26-024890: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 11 May 2026, approved 21 May 2026, effective 15 June 2026 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  17. 26-013923: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 13 March 2026, closed as approved on 1 September 2026; the card gives 11 June 2026 as the effective date for new and renewal policies, earlier than the approval date. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  18. 26-026538: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed 21 May 2026 and withdrawn the next day, 22 May 2026; the effective date it had requested was 21 June 2026. On the day of the withdrawal the company filed rates filing 26-026661 under the Inland Marine / Pet Insurance product. Research note: floir-rate-filings.md.
  19. 26-013383: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 10 March 2026, closed as approved on 21 May 2026; the card gives 1 May 2026 as the effective date for new and renewal policies, earlier than the approval date. The filing is identified as Figo's program by its document titles. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, fl-irfs-pet-filings-2026-10-13.md.
  20. 26-021802: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed and withdrawn on 23 April 2026; the effective date it had requested was 1 September 2026 for new and renewal policies. Documents not obtained.
  21. 26-021440: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 21 April 2026 together with forms filing 26-021435, withdrawn 15 June 2026; the effective date it had requested was 1 July 2026. The research note calls it the first attempt at the Westchester Fire product now filed as 26-041604 and 26-041607. Research notes: fl-irfs-pet-filings-2026-10-13.md, ca-warff-others-2026-10-13.md.
  22. 25-037984: IRFS filing card: rates filing, filed 3 July 2025 under the Livestock (Animal Mortality) product, approved 4 September 2025, effective 24 February 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  23. 25-043052: IRFS filing card: rates filing, filed 15 August 2025 under the Livestock (Animal Mortality) product, approved 2 October 2025, effective 1 February 2026 for new and renewal policies. The percentages are not from the filing documents, which were not obtained, but from an Insurify report of the Florida approval effective 1 February 2026, which the research notes attribute to this filing: Trupanion rates +12.9%, accident and illness +24%, accident-only +35.6%, more than 3,200 policyholders affected, 1,618 of them on Trupanion for Chewy. No figure is recorded as the approved change: the Insurify article is not among the sources, and it is unclear which of the three figures applies to the filing as a whole. Research notes: floir-rate-filings.md, trupanion-notes.md, trupanion/analysis-2026-10-13.md.
  24. 26-004169: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 26 January 2026, closed as informational on 30 January 2026, effective 1 February 2026 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, fl-irfs-pet-filings-2026-10-13.md.
  25. 25-049230: IRFS filing card: rates filing, filed 21 October 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 12 January 2026, effective 19 January 2026 for new and renewal policies. Lemonade cites it as an approved competitor pet filing in its own filing 26-034247; ACE Property and Casualty's Florida pet business is Healthy Paws. Documents not obtained. Research notes: fl-irfs-pet-filings-2026-10-13.md, floir/26-034247-all-documents.txt.
  26. 25-012375: IRFS filing card: rates filing, filed 3 March 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 22 May 2025, effective 11 November 2025 for new and renewal policies. Documents not obtained. Research note: floir-rate-filings.md.
  27. 25-004698: IRFS filing card: rates filing, filed 30 January 2025 under the Livestock (Animal Mortality) product, approved 19 May 2025, effective 1 September 2025 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  28. 25-011260: IRFS filing card: rates filing, filed 27 February 2025 under the Livestock (Animal Mortality) product, approved 10 April 2025, effective 2 July 2025 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  29. 24-066333: IRFS filing card: rates filing, filed 14 August 2024 under the Livestock (Animal Mortality) product, approved 14 November 2024, effective 24 February 2025 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, trupanion/analysis-2026-10-13.md.
  30. 24-108678: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed 20 December 2024, closed as informational on 27 December 2024, effective 1 January 2025 for new and renewal policies. Documents not obtained.
  31. 24-000842: IRFS filing card: rates filing, filed 10 January 2024 under the Livestock (Animal Mortality) product, approved 31 July 2024, effective 11 November 2024 for new and renewal policies. Documents not obtained. Research note: floir-rate-filings.md.
  32. 24-021779: IRFS filing card: rates filing, filed 3 May 2024 under the Livestock (Animal Mortality) product, approved 27 June 2024, effective 2 October 2024 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, trupanion/analysis-2026-10-13.md.

Recently updated

Notes

  1. a.↑Priced for: French Bulldog, male, enrolled before age 1, unlimited annual limit (or the highest the filing offers), $1,000 deductible, 90% reimbursement, monthly payment with its fee, no discounts, ZIP 33545.
  2. b.↑Filing 26-024273 sets different increases for different brands. The cards above show each brand's own figures; the references and the filings table show the filing's headline figures.
  3. c.↑No rate pages read yet in Florida for Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide and Trupanion. Their pages are drafts and they are not rated.

References

  1. 1.↑Florida Office of Insurance Regulation, IRFS. Independence American Insurance Company, Pets Best, rate filing 26-026451. Effective 2 Sep 2026. Requested +27.4%, approved +24.4%, indicated +60.5%. source
  2. 2.↑Florida Office of Insurance Regulation, IRFS. Lemonade Insurance Company, Lemonade, rate filing 26-034247. Effective 18 Nov 2026. Requested +23.0%, approved +22.0%, indicated +23.7%. source
  3. 3.↑Florida Office of Insurance Regulation, IRFS. Independence American Insurance Company, V4, rate filing 26-024273. Effective 1 Oct 2026. Requested +31.3%, approved +31.3%, indicated +50.1%. source
  4. 4.↑Florida, Fla. Stat. §627.71545 (2025), pet insurance law: disclosure, waiting periods, pre-existing conditions. Summary on this wiki. law summary
  5. 5.↑Pet Insurance Wiki, Rating methodology, version 1. Scales A–F, weights, reference profile. methodology

History

  1. Added payout table: earned premium, incurred losses and the loss ratio for each insurer, against the permissible ratio and the 90% ideal
  2. 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)
  3. 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_20260724
  4. 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 Livestock
  5. Expanded with law summary and IRFS guide
  6. Draft page