Fight back · Free · Official
Your rights.
Your filings.
Every state has an insurance commissioner whose job is to take consumer complaints against insurance carriers. Filing one is free, fast, and creates an official paper trail your carrier has to answer to. Regulators track patterns across complaints — yours adds to a public record that can drive investigations, market-conduct exams, and rate rollbacks.
What to file
Complaints regulators take seriously
Not every frustration is a regulatory issue — but the patterns we see in pet insurance absolutely are. If any of these describe your experience, file.
Unjustified rate increases
A large premium jump at renewal with no change in coverage, no new claims, and no clear actuarial explanation. Especially when the increase coincides with your pet aging into a new bracket.
Failure to explain the underwriting basis
You asked your carrier to explain why your premium went up and they refused, gave a boilerplate answer, or hid behind 'proprietary' models. Insurers are required to disclose the basis of rates in most states.
Misleading marketing about premium stability
You were sold on advertising that implied rates would stay stable or only increase modestly, and the actual renewal increase is wildly inconsistent with what you were told at signup.
Unfair treatment of older pets
A pattern of aggressive rate hikes targeted at pets after a certain age, effectively forcing cancellation — while pre-existing condition exclusions lock you out of switching carriers.
Find yours
State insurance commissioners
All 50 states plus Washington, D.C. Click through to your state's official complaint form. If a link ever breaks, the NAIC directory maintains an up-to-date master list.
Before you file
Gather these first
A complete complaint gets acted on. A vague one gets filed and forgotten. Spend five minutes pulling these together before you start.
Your previous and current premium
Exact dollar amounts and the start date of each policy period.
Carrier name, plan name, and policy number
So the regulator can identify your policy in the carrier's system.
Your renewal letter
The PDF or screenshot showing the new premium. This is your single most important attachment.
Claims history
Total amount claimed and paid during your time as a customer. Zero claims is a powerful data point.
A copy of your demand letter (if you sent one) — generate one here
Showing that you tried to resolve it with the carrier first strengthens your complaint.
Length of time as a customer
Regulators care about long-tenured customers being squeezed after becoming uninsurable elsewhere.
After you file
What to expect
Response times vary by state — expect anywhere from a few weeks to a few months. Most commissioners will forward your complaint to the carrier and require a written response, which you'll receive a copy of. Even when the outcome doesn't reverse your specific rate, your complaint becomes part of the carrier's regulatory record and influences future rate filings.
Two more things that actually help: report your premium to us so it becomes part of the public dataset, and consider sharing your story publicly — social media and reviews move insurers faster than most people realize.
Step 1
Report your premium
Sixty seconds. Anonymous. Adds to the growing public dataset regulators can't ignore.
Submit a report →Step 2
Generate a demand letter
A one-page letter you can send to your carrier asking for the actuarial basis of your increase — before you file a formal complaint.
Generate letter →