American Pet Insurance Company has submitted a rate and rule filing in Virginia for its Aflac Pet Insurance powered by Trupanion program, proposing an overall 20% rate increase effective June 1, 2026, for new business and renewals.

The filing reflects an indicated need of 27.4%, with the change expected to increase written premium by $18,216 across 124 policyholders, bringing total program premium to about $90,980.

In addition to the rate change, the company is revising base rates and key rating factors, including breed, age, gender, and other risk characteristics, based on experience.

The updated underwriting guidelines outline multiple coverage options for dogs and cats under age 14, including accident-only and accident-and-illness plans, optional wellness and support endorsements, and telehealth services.

The filing was submitted on February 16, 2026, under a file-and-use approach.