Lemonade has filed an average 36.1% pet insurance rate increase in Wisconsin, affecting 9,196 policies with approximately $5.5 million in written premium. The changes take effect December 16, 2026, for new policies and February 14, 2027, for renewals.

Accident and illness rates will increase by 40%, while preventive care rates will rise by 14%. Together, the changes would generate approximately $1.98 million in additional annual premium. Lemonade’s actuarial analysis indicates a need for a 37.7% overall increase.

The insurer is also changing how it prices coverage. Census-tract factors will replace ZIP-code factors, and pricing will change by breed, pet age, and sex.

Premiums for veterinary visit fee coverage and routine dental cleaning will also increase.

Lemonade selected a 16% annual factor for expected claims cost growth, compounded for up to three years.

“Since our loss trend experience has been volatile, we judgmentally selected a 10.0% annual retrospective loss trend and 16.0% prospective loss trend for Accident & Illness coverage.”

Annual installment fees will increase from $24 to $36. A new cap will limit annual renewal increases resulting from rate revisions and company-initiated policy changes to 60%.

The filing follows a 15.8% increase effective November 19, 2025. Lemonade submitted the latest revision on November 11, 2026, and Wisconsin regulators marked it “Filed” on November 12.

Lemonade pet insurance is available in 43 states plus Washington, D.C.