Lemonade Insurance Company has filed a pet insurance rate and rule revision in Florida that introduces new coverages and a minor overall rate increase. The filing, dated May/June 2025, impacts 18,639 in-force policies with earned premium of $6.4 million. New business rates take effect November 19, 2025, with renewals effective January 3, 2026.

The update proposes an overall 0.8% rate increase, broken down as 0.0% for accident & illness and +5.0% for preventative coverage. Beyond pricing, the filing restructures visit fees, integrates factor tables, and introduces three new benefits: End of Life and Remembrance, Behavioral Conditions, and Dental Illness. It also adds tiered discounts for Affinity Groups and Strategic Partners.

The program, originally launched in 2020, last saw a 20.3% rate hike effective late 2024/early 2025. Underwriting guidelines now also specify non-renewal conditions, such as threats to employees or failure to cooperate during claims.