United States Fire Insurance Company, part of Crum & Forster, submitted a prior approval rate, rule, and form filing in California for Pumpkin’s 2027 pet insurance program, seeking an overall rate increase of 28.99% affecting approximately 24,500 policyholders.

The program represents $23.2 million in written premium, with the proposed changes expected to generate about $6.7 million in additional premium. The requested effective date for new and renewal business is January 9, 2027.

In addition to the rate increase, the filing restructures base rates to remove territorial differences while introducing separate territory factors. It also revises annual limit, deductible, coinsurance, attained age, and breed factors, and adds new gender and tenure factors, along with a healthy pet discount.

The update includes form revisions to comply with California’s Pet Insurance Model Law, including changes to definitions, waiting periods, exclusions, and claims provisions.

Pumpkin, owned by JAB, offers pet insurance products underwritten by either Independence American Insurance Company or United States Fire Insurance Company.