Independence Pet Insurance Company has introduced new pet insurance forms and rates in Virginia as part of a transition of a closed block program from American Pet Insurance Company to IPIC.

The filing, submitted on April 3, 2026, covers accident and illness as well as accident-only plans under the Pets Best brand, with a requested effective date of October 2, 2026.

The move consolidates underwriting under IPIC while keeping product structure largely intact. The plans continue to offer flexible configurations, including annual limits ranging from $2,500 to unlimited, deductibles between $50 and $2,000, and coinsurance options as low as 10% for the policyholder.

A flat-rate accident-only option remains part of the lineup, priced at $108 annually for dogs and $72 for cats, with a $10,000 annual limit, $250 deductible, and 90% reimbursement level.

The filing also introduces optional wellness endorsements, covering routine care such as vaccinations, exams, and preventive treatments, with annual benefit caps up to $535 depending on the selected tier.

From a pricing perspective, the program reflects a notable increase. The overall indicated and selected rate change is 40.3%, impacting approximately 10,491 policyholders and $10.7 million in written premium.

The rating structure remains granular, incorporating geographic, breed, and age factors alongside coverage selections and optional benefits, with total discounts capped at 12%.