Camarillo, CA asked in Insurance Bad Faith for California

Q: Can a pet insurance raise the annual fee over 100% based on a dogs age, especially when grand fathered in to a plan?

Dog has been with Nationwide since a puppy (now is 7). Renewal notice for WHOLE PET WITH WELLNESS PLAN (a plan that no longer exists, but dog is grandfathered in) went up from $184 to $424 a month.

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2 Lawyer Answers
James L. Arrasmith
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Insurance Claims Lawyer
  • Sacramento, CA
  • Licensed in California

A: In California, pet insurance is regulated by the Department of Insurance, and while insurers are generally allowed to set their premiums based on risk factors including the age of a pet, any rate increases must be filed with and approved by the Department. If your pet’s insurance premium has significantly increased upon renewal, you have the right to inquire with Nationwide about the justification for the rate increase. You should review the terms of your policy to understand under what conditions the premiums may increase. If you believe the rate increase is unjustified or has been applied incorrectly, you may file a complaint with the California Department of Insurance. The Department reviews such complaints and can determine whether the insurer is complying with applicable laws and regulations. It’s also a good practice to compare plans from other providers to ensure you are receiving a fair rate for the coverage you need.

Tim Akpinar
Tim Akpinar
  • Insurance Claims Lawyer
  • Little Neck, NY

A: Check with the Department of Insurance (and possibly consumer affairs & animal welfare entities; that's a large spike in cost). Good luck

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