Independence American Insurance Company filed updated forms, rates, and rules in Rhode Island for its Figo pet insurance program, with changes requested to take effect June 1, 2026, for both new and renewal business. The update includes policy language revisions for clarification along with pricing changes.

The filing reflects a 27.9% overall rate increase, affecting about 584 policyholders and generating an estimated $106,871 in additional premium on a current book of $383,312. Individual increases may vary, with changes capped at 60% during the transition period.

Coverage continues to be available for dogs and cats starting at six weeks of age, with customizable annual limits, deductibles, coinsurance, and per incident copays. Rating factors include pet age, breed, gender, location, and selected coverage options.

The program maintains multiple discounts, including multi pet, employer group, military, affinity partner, and a healthy pet discount for policyholders with no paid accident or illness claims in the prior year.

Policies are written as annual contracts with monthly or annual payment options and include features such as diminishing deductibles for claim free customers and optional add on benefits and services.