Independence American Insurance Company has filed for an overall +19.9% increase to its Figo Pet Insurance business in Maryland, impacting 3,435 policyholders and $2.45 million in premium.

The rate model—developed using WTW Emblem software and generalized linear modeling—introduces updated base factors and a premium transition rule to gradually phase changes.

A prior +11% increase effective 01/01/2025 preceded this filing, reflecting continued cost pressures in veterinary claims.

Filing submitted February 5, 2026; new business effective June 1, 2026; renewals effective June 1, 2026.