Independence American Insurance Company has filed updates to its V4 Pet Insurance program in California, proposing new rules that introduce Generalized Linear Models (GLMs) to enhance rating accuracy. The filing, submitted under IAIC’s consolidated inland marine rules, is scheduled to take effect on July 1, 2026.

The update adds separate GLM models for dogs and cats, developed using Willis Towers Watson’s Emblem Version 4.6.24 software. Training data incorporates experience from V4, Figo, and PetPartners, with Costco also referenced among program partners.

While the filing itself carries no direct rate impact, it is designed to align with pending filing 25-613, which together result in a combined +9.6% rate effect. The GLM-based structure aims to produce more balanced and equitable pricing across pet segments.

The filing cites 747,172 total exposures used for territory modeling and 710,538 for experience grouping, with an average earned premium per exposure of $58.47. Independence American certifies that no price optimization techniques were used in model development.

The insurer distributes coverage through multiple affinity and member programs, including employer benefits and discount partnerships with organizations such as Datadog, the Credit Union of Colorado, and the ASPCA.