Pet Insurance WatchReport
Live dataset · Updated daily

Your pet got older.
So did your premium.

Pet insurance carriers raise rates on aging pets — even healthy ones with no claims — by 30%, 60%, sometimes 100%+. We're documenting it. Add your data and see the pattern for yourself.

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60-second submission · Anonymous · No name, no policy number

Case #0012Live
CarrierTRUPANION
StateWI
Age6 → 7
Premium Y1$384.40
Premium Y2$687.75
+78.9%
YOY delta

The picture so far

Reports
0
awaiting launch
Avg Δ
—
States
0
of 51
Total $
—
→ See the full dashboard

The business model

Four phases of extraction

Pet insurance isn't a lifetime product. It's a four-phase financial lifecycle — acquire, collect, harvest, run off — with a lock-in mechanism at every phase transition. Click any layer for the receipts.

Phase 1AGES 0–4
ACQUIRE
LR ~30–40%

Cheap. Marketed hard.

Phase 2AGES 5–6
COLLECT
LR ~60–70%

Steady compounding.

Phase 3AGES 7–9
HARVEST
LR ~100–120%

Sharp hikes. Locked in.

Phase 4AGES 10+
RUN OFF
LR N/A

Priced out. Sunset.

Real case · Wisconsin SERFF filing

The compounding curve

Annual premium · USD

Pet insurance annual premium by pet age, Wisconsin caseAnnual premium in dollars from pet age 0 to 12. Solid markers at ages 4 through 7 are from a real Wisconsin case: $384 at age 4, $611 at age 5, $944 at age 6, and $1,689 at age 7. Hollow markers at ages 0 to 3 and 8 to 12 are projected. The area under the curve is tinted teal, blue, amber, and red to match the four lifecycle phases.$0$1K$2K$3K$4K$5K$6K$7KAGE 0AGE 2AGE 4AGE 6AGE 8AGE 10AGE 12$384$611+59% YOY$944+55% YOY$1,689+79% YOYACTUAL (WISCONSIN SERFF)PROJECTED

Pet insurance isn't one product — it's a four-phase lifecycle engineered to collect premiums while the pet is healthy and price you out the moment claims arrive. Loss ratios stay low until age seven, then invert. The ribbon above is not a consumer story. It's an actuarial one.

“They're not insuring your pet for life. They're renting you peace of mind during the years your pet doesn't need it, and pricing you out during the years it does.”

Peel the layers →

Layer 1

California proof

POLICYHOLDERS AFFECTED
64,770
Pets Best in California
REQUESTED RATE INCREASE
+45%
Single filing
PROJECTED CANCELLATIONS
12,700
Company's own model
SIMULTANEOUSLY
STOPPED
Writing new Pets Best business
“Same underwriter (APIC, NAIC #12190) concurrently received a 33% increase on 97,153 Trupanion policyholders.”

This is where the model ends. California is already here. Wisconsin is next.

Has your premium jumped?

Help us document the pattern. Sixty seconds. Anonymous. No name, no policy number.

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