Research

Wagopedia data studies: public datasets on dogs, pet ownership, and pet care costs, taken from official and industry sources — and explained in plain English, with the methodology on the page and the data free to download.

• Where America's Insured Dogs Live: Pet Insurance by State, 2025

  California is home to 18.1% of America's insured pets and 19.9% of all pet-insurance premium, according to NAPHIA's 2026 State of the Industry Report — but premium levels per insured pet run highest in Massachusetts and Connecticut. The full 50-state table of insured-pet and premium shares, a premium-intensity index calculated from those shares, charts, and an honest methodology. Published November 8, 2026.