American Pet Insurance Company is seeking approval for a 25.3% rate increase for its Trupanion for Chewy Health program in Virginia.

The filing affects 1,503 policyholders and would generate an additional $195,859 in written premium on a current book of $773,687. Individual changes would range from 3.9% to 61.2%.

Accident-only policies would increase by 19.3%, while accident and illness policies would rise by 25.9%. The insurer is also revising base rates and geographic, breed, age-at-enrollment and gender factors.

American Pet said the Chewy program lacks enough credible experience to support an independent rate indication, so it incorporated trends from its broader Trupanion Pet Health Insurance program. The company selected a 13% loss trend.

The program’s previous rate revision, a 4.5% increase, took effect in September 2025. American Pet submitted the filing on September 1 and is requesting a November 1, 2026, effective date.

Since May 2025, the program has grown from 1,093 to 1,503 policies, a 38% increase, while written premium rose 44% from $537,394 to $773,687.