United States Fire Insurance Company, part of the Crum & Forster group, has filed a new pet insurance rate plan in Idaho under the Adoro brand, effective January 1, 2026. With no existing policies, the filing applies only to new business.

The rate filing is neutral, with no overall impact, and is built on an anticipated 58% loss ratio, a 10% trend assumption, and a 7.25% contingency and risk margin. The product will be distributed through licensed producers. No red flags were noted.