Independence Pet Insurance Company has filed a rate and rule update in Maryland tied to the transfer of the PetPartners pet insurance program from an affiliated carrier.

The filing was submitted on January 15, 2026, and seeks an effective date of July 1, 2026, for new business, with renewals to follow.

While the actuarially indicated rate change is 21.2%, the filing shows no immediate premium or policyholder impact in Maryland, with written premium and affected policyholders both listed as zero at the time of submission. The lack of impact reflects the administrative nature of the filing, which supports the migration of the program from Independence American Insurance Company to Independence Pet Insurance Company, both subsidiaries of Independence American Holdings.

Distribution continues through PetPartners’ MGA model, including veterinary clinics, breeders, shelters, affinity groups, and employer sponsored channels.