Lemonade received approval in Pennsylvania for changes to its pet insurance program, effective July 16, 2025 for new business and September 14, 2025 for renewals.

The revision carries an overall rate increase of 5.5%, with Accident & Illness coverage rising 7% and Preventative coverage falling 3.6%.

The filing impacts 18,285 policies and $12.1 million in premium, adding roughly $665k. Regulators required Lemonade to remove unapproved Strategic Partner and Affinity Group discounts, and to apply deductible factors to comply with rate capping, with a maximum individual policy increase of 31.7%. This follows a 19.6% hike approved in June 2024.