Metromile, an affiliate of Lemonade, has filed a neutral rate change in Missouri for its Pet Insurance Program (TOI 09.0), effective December 17, 2025, for new business and December 17, 2026, for renewals. The filing supersedes a prior submission to include an appendix mapping dog breeds to rating categories (Small, Medium, Large) for transparency and consistency.

While the overall impact is neutral, key rule changes include replacing the Vet Visit add-on from a factor-based premium multiplier to a flat fee by pet type, addressing overcharging of older pets and cats. The multi-pet discount increases from 5% to 10%.

Metromile will manage all new pet insurance business, while existing policies remain with LIC. The filing confirms a commission-free distribution model and simplified policy structure by eliminating coinsurance options for Preventative Care.