Independence American Insurance Company has submitted updates to its Pets Best pet insurance program in Connecticut, introducing changes to rating factors and new policy language, with an effective date of June 2, 2026 for both new and renewal business.

The filing includes revisions to coinsurance and limit factors, along with adjustments to medical base rates, signaling a recalibration of pricing within the program. While no overall rate impact is disclosed in the form filing, the changes point to ongoing refinement of underwriting assumptions and cost structure.

A key addition is a new mandatory promotional offer amendatory endorsement, which will be attached to all policies. The endorsement formalizes the use of incentives and value-added services, allowing agents and partners to offer items such as gift cards, discounts, referral rewards, and related services tied to policyholder engagement.

The endorsement also introduces language around value-added services designed to support policy servicing and loss mitigation, suggesting a broader push toward embedding customer engagement and risk management tools within the product.

Overall, the update reflects a combination of pricing adjustments and distribution-driven enhancements, positioning the Pets Best program to compete through both underwriting refinement and customer-facing incentives in the growing pet insurance market.