Independence American Insurance Company filed a base rate increase of 7.9% for its legacy pet health program in Rhode Island, with changes effective July 1, 2026 for both new and renewal business.

The filing applies to a closed block administered by Pets Best, with no new policies being issued. The program currently covers 48 policyholders and approximately $60,700 in written premium. The small exposure base limits the credibility of state specific experience, with results evaluated within the context of broader program performance.

The increase follows a prior 10.1% rate hike that took effect July 1, 2025 and reflects ongoing adjustments to maintain the performance of the remaining in force business.