Liberty Insurance Underwriters Inc. has filed a broad rate, rule, and form revision for its California pet insurance program, with Companion Protect Agency continuing to serve as the program administrator.

The filing updates the core Pet Insurance Plan, Declarations, and underwriting rules, and introduces several new endorsements, including mandatory binding arbitration and a California amendatory endorsement. Companion Protect is referenced throughout the filing as the administrator responsible for policy administration, customer service, and claims handling on Liberty’s behalf.

While the update modernizes policy language and aligns the program with California-specific pet insurance requirements, the filing reflects no overall rate impact, no written premium change, and zero in-force California policyholders at the time of submission. Liberty is seeking a May 1, 2026 effective date for new business and July 1, 2026 for renewals.

The California amendatory endorsement also formalizes a 30-day free-look period, clarifies cancellation and nonrenewal notice timelines, and confirms that claims are reimbursed based on the actual cost of veterinary treatment, subject to deductibles, copays, and policy limits.

The filing was submitted on January 16, 2026 and is currently under review by the California Department of Insurance.