Independence American Insurance Company (IAIC) has requested an overall +15.8% rate increase for its Figo Pet Insurance medical coverages in Georgia.

The revision affects 3,265 policyholders with $1.74 million in premium, introducing refined base rates, newly tiered age and breed group factors, and a Healthy Pet Discount.

The filing notes a prior +11.5% increase effective 01/01/2025, indicating continuing recalibration of veterinary‑cost inflation. IAIC’s adjustments reflect loss‑ratio experience and updated actuarial modeling to maintain profitability in a competitive pet‑health market.

Filing submitted February 6, 2026; new business effective June 1, 2026; renewals effective June 1, 2026.