Consumer advocacy · Independent
Your pet got older.
So did your premium.
Pet insurance carriers raise rates on aging pets — even healthy ones with no claims — by 30%, 60%, sometimes 100%+. We're documenting it. Add your data and see the pattern for yourself.
60-second submission. Anonymous. No name, no policy number.
Live data
The picture so far
Reports verified through automated and manual review.
The pattern
How the trap works
The business model is simple. Carriers underprice young pets to get you in the door, then raise prices as your pet ages — when switching carriers becomes effectively impossible.
You sign up
Affordable monthly premium for your young, healthy pet. Maybe $30/month.
Years pass
Modest annual increases, well below inflation. You build trust. You file a claim or two.
Your pet ages
Around years 5–7, increases jump sharply. Often 30–80% in a single renewal cycle.
You're stuck
Pre-existing conditions disqualify you from switching. New carriers won't take an older pet. The price keeps climbing.
Has your premium jumped?
Help us document the pattern. Sixty seconds. Anonymous. No name, no policy number.