Pet Insurance Market Developments: Coverage, Regulation, and Consumer Access

MetLife Pet Insurance Partners with Petstablished to Simplify Coverage During Adoption

17 Dec 2025

MetLife Pet Insurance has partnered with Petstablished to offer pet insurance quotes directly during the adoption and registration process on the Petstablished platform, which supports over 1,000 animal welfare organizations. This integration allows adopters to include insurance costs with their adoption fees, providing coverage from the start of the pet’s new home. Coverage options range from emergencies-only to preventive care, including wellness visits, vaccinations, dental cleanings, spay/neuter procedures, and behavioral training. The collaboration aims to reduce financial barriers to routine veterinary care and help more pets remain in loving homes. By embedding insurance in the adoption workflow, families can protect their pets and plan for unexpected costs immediately.

Insurtech Adoro Pet Insurance Enters the U.S. Pet Insurance Market

15 Dec 2025

Adoro Pet Insurance Services has officially entered the U.S. pet insurance market, which is growing rapidly but remains underpenetrated. Founded by industry veterans Gavin Friedman and Tricia Plouf, the company offers coverage that includes services often excluded or sold as add-ons, such as exams and rehabilitation, alongside more stable pricing and faster claims handling. The launch follows months of preparation focused on infrastructure, underwriting, and phased state-by-state expansion, with Crum & Forster providing underwriting support. Backed by Griffin Highline Capital and Badger Equity US, Adoro aims to differentiate itself through transparent coverage and simplified customer experience. Despite strong growth and over $5 billion in premiums in 2024, pet insurance penetration in the U.S. remains low, leaving room for new entrants like Adoro.

Veterinary Medicine Is Advancing”: How Pet Insurance Can Ease Financial Burdens in Emergencies

11 Dec 2025

The Ontario SPCA and Humane Society highlight that pet insurance can protect owners from unexpected veterinary costs, which can quickly escalate during emergencies or chronic illness treatment. Coverage allows pets to access high-quality diagnostics, surgery, emergency care, and specialty treatments without financial hesitation. Even routine accidents, such as falls or ingestion of foreign objects, can lead to expensive vet bills, making insurance a crucial tool for responsible pet parenting. With insurance, owners are more likely to pursue preventive care and follow-up treatments, improving pet health outcomes. Policies can cover a wide range of services, from emergency visits and diagnostics to rehabilitation, holistic care, and breed-specific conditions.

Pet Insurance: An Analysis of the CMA’s Provisional Decision on the Veterinary Market and Its Implications for Insurers

10 Dec 2025

The UK Competition and Markets Authority (CMA) has issued a provisional finding that the veterinary market is facing widespread competition problems, driven largely by consolidation among a small number of corporate groups. Rising veterinary costs, which are not clearly linked to improvements in care quality, are increasing pressure on pet insurers, with claims payouts more than doubling over the past decade. The CMA highlighted weak regulation of veterinary practices, lack of price transparency, and information imbalances between vets and pet owners as key issues. Proposed remedies focus on improving transparency, strengthening regulation, and capping prescription fees, though the CMA stopped short of standardising prices. These changes could reshape cost dynamics in pet insurance while aiming to protect pet owners from excessive charges.