Section #1: Gross Written Premium

In-Force Gross Written Premium (GWP)

North America (in USD)

Note: To view annual amounts hold your cursor over or tap each column.


U.S. (in USD)

Note: To view annual amounts hold your cursor over or tap each column.

The total premium volume in the U.S. reached $3.2 billion at YE 2022.

The U.S. market continues to experience double-digit increases, however the growth has slowed down a bit  in 2022 with a YoY variance of 24.2% (lowest among the recent periods).

  • 24.2% increase from 2021 to 2022
  • 30.4% increase from 2020 to 2021
  • 27.5% increase from 2019 to 2020
  • 24.3% increase from 2018 to 2019


Canada (in CAD)

Note: To view annual amounts hold your cursor over or tap each column.

Total premium volume in Canada reached $374.4 million (CAD) at YE 2022, an increase of 19.3% from previous year.

The 5-year average annual growth rate was nearly 20.3%.

  • 19.3% increase from 2021 to 2022
  • 28.1% increase from 2020 to 2021
  • 17.2% increase from 2019 to 2020
  • 16.4% increase from 2018 to 2019

In-Force GWP, Per Product (2022)

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 (2022)

U.S. – Top 10PETSGWP
California18.6%21.0%
New York7.0%8.4%
Florida6.2%6.3%
Texas5.7%4.9%
New Jersey4.6%4.9%
Pennsylvania4.5%4.3%
Massachusetts4.1%4.5%
Washington4.0%4.1%
Colorado3.0%3.0%
Illinois2.9%3.1%
CANADA – Top 5PETSGWP
Ontario38.1%37.2%
British Columbia19.5%23.7%
Alberta17.6%21.3%
Quebec8.6%6.9%
Newfoundland & Labrador4.6%3.4%