Section #1: Gross Written Premium

In-Force Gross Written Premium (GWP)

North America (in USD)

Note: Annual amounts will be displayed when holding your mouse over selected years.


U.S. (in USD)

The total premium volume in the U.S., as reported by NAPHIA members, amounted to $1.99 billion at year-end 2020.

The U.S. market continues to experience double-digit increases (average annual growth rate of 24.2% between 2016 and 2020).

  • 27.5% increase from 2019 to 2020
  • 24.3% increase from 2018 to 2019
  • 21.7% increase from 2017 to 2018
  • 23.2% increase from 2016 to 2017


Canada (in CAD)

The total premium volume in Canada, as reported by NAPHIA members, amounted to $244.6 million at year-end 2020.

The Canadian 5-year average annual growth rate was 15.2%, below the U.S. average annual growth rate of 24.2%.

  • 17.2% increase from 2019 to 2020
  • 16.4% increase from 2018 to 2019
  • 9.6% increase from 2017 to 2018
  • 17.5% increase from 2016 to 2017

In-Force GWP, Per Product (2020)

U.S. (in USD)

Canada (in CDN)

  • Accident Only: Foreign body ingestion, lacerations, motor vehicle accident, ligament tears, poisoning, etc.
  • Accident & Illness: Accident benefits plus illnesses such as cancer, infections, digestive problems, etc.
  • Insurance with Embedded Wellness: Comprehensive plans that may include vaccinations, early screening diagnostics, consultations for proper nutrition, dental care, etc.
  • Endorsements: Riders such as wellness or cancer endorsements.

*Combined insurance includes Accident & Illness & Insurance with Embedded Wellness


Pets and GWP Distribution (2020)

U.S. – Top 10PETSGWP
California19.2%21.1%
New York8.7%9.6%
Florida5.8%6.1%
New Jersey5.5%5.6%
Texas4.8%4.6%
Massachusetts4.7%4.9%
Pennsylvania4.7%4.5%
Washington4.0%4.0%
Colorado3.4%3.4%
Illinois3.2%3.3%

CANADA – Top 5PETSGWP
Ontario38.9%38.4%
British Columbia21.7%23.2%
Alberta21.6%23.8%
Quebec5.4%4.6%
Nova Scotia3.4%2.8%