Washington Insurance Commissioner Mike Kreidler issued a fine of $950,000 against ACE American Insurance Co. and Indemnity Insurance Co. of North America for overcharging 18,000 Washington consumers to the tune of $4.7 million for nearly five years.

The insurers sold pet insurance policies through the Healthy Paws Pet Insurance agency starting in 2013. Kriedler and his investigative team found tens of thousands of law violations between the two insurance companies; the most egregious were rate increases that were not disclosed to the consumers, despite a state law requiring insurers to notify consumers about rate increases 20 days before the policy renewal date.