Pet insurance prices

From each insurer's rate filing in your state.

Monthly price

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Know before your premium changes.

Pet insurers must file rate changes with your state before they charge them. We read new filings as they land and email you when one affects your state.

The part a quote page never shows

Same pet, every birthday

Monthly price at each age under today's filed rates, holding everything else fixed. Your real bill moves on top of this every time an insurer files a rate change — and those changes are public the day they're filed.

Sept 20, 2026 · quoted by hand

We asked 19 pet insurance brands the same question — by hand, on their own sites

City

Only the filings say this

Four things we know because we read the paperwork

Provenance

Every number here has a filing number

A rate filing is the formula an insurer submits to a state regulator before it may charge anyone. It is public. Here is exactly which one we read for your state.

Sangmin Kwon, ASA · Associate of the Society of Actuaries · not a licensed U.S. insurance producer

From a state filing to the price on this page.

1Find the filing

Before charging anyone, an insurer files its rates with the state. The public SERFF record lists 1,502,983 filings; we start from the ones for pet.

2Take it apart

We read the rate tables, factors and rules out of each filing, and keep every number tied to the filing it came from.

3Rebuild the formula

Base rate, breed, age, area, deductible, reimbursement, limit — every factor in the order the insurer applies it. Where several brands are written by one insurer, we say which.

4Check it against real prices

We compare against quotes taken on each insurer's own site. A price counts as checked when it matches to within $1, and computed when it is within 10%; anything else is labeled as still being checked.

How to read these prices

Filed rates, not offers

A filed rate is the insurer's published formula. Your price can differ with underwriting, discounts, optional coverage, taxes and fees.

Price by age is today's filing

The age chart holds today's rates fixed. Insurers can file new rates at any time, and those filings are public the day they're filed.

Not a ranking

Plans differ — waiting periods, exclusions, exam fees. Sort by price, age or name; read the policy before you buy.

Questions about these prices

Why does the price rise every year?

Most pet filings include an age factor that climbs with your pet's age. It's in the rate filing before you buy — the chart above shows it for your pet.

Where do the prices come from?

From the rate manual each insurer files with your state's insurance department, published through SERFF. Each card shows the filing number it came from.

Why might my quote differ?

Rate changes filed after we read the filing, multi-pet or other discounts, fees, and underwriting all move the final price. Confirm with the insurer.

Do you sell insurance?

No. K.Actuary is not an insurance agency, broker or insurer and does not sell, solicit or negotiate insurance. When you're ready, you buy directly from the insurer.

Why do you ask for an email address?

Only for rate alerts, and only if you want them. Every price on this page is free to see without it. If you sign up, we keep your email address, state and the lines you picked, and email you when a rate filing affects them. Unsubscribe anytime — see our Privacy page.