PetCore · Pet Insurance SaaS for MGAs
Launch pet insurance products in weeks, not months.
PetCore by Insurnest is the only SaaS platform built exclusively for pet insurance MGAs — with a purpose-built BRE, digital buying journey, and claims engine ready across the US, UK, and Canada.
The pet insurance market is growing at 17% a year. Most MGAs are leaving it on the table.
If your team is still configuring a generic P&C system to handle breed risk tables and pre-existing condition logic, you are already behind.
Slow time to market costs you premium
Every month spent building or configuring a platform is a month your competitors are writing policies. Pet insurance penetration in the US is below 5% with a $17.6B global market growing at 17.5% annually. The MGAs who get there first with a fast, digital buying journey capture the distribution relationships that are hard to displace later. Delays do not just cost time — they cost GWP that goes to someone else.
Generic platforms break on pet-specific logic
Breed risk tables, bilateral condition exclusions, age-banded premium curves, and wellness rider configuration are not features any generic P&C platform was built for. The result is manual workarounds, inconsistent underwriting decisions across your book, and underwriters spending time on spreadsheets instead of risk selection. Every manual step is a compliance risk and a margin leak.
Poor consumer experience kills conversion
Pet insurance buyers compare online and expect a quote in under two minutes. If your buying journey takes ten minutes and requires a phone call to bind, you are losing the sale before it starts. A 1% improvement in quote-to-bind conversion across a 50,000-policy book is material revenue. Most MGAs have no idea what their conversion rate even is because their platform does not track it.
PetCore is built for pet insurance from the ground up — not adapted from something else.
Purpose-built BRE
Configure breed risk tables, pre-existing condition logic, age-banded pricing, wellness riders, and deductible structures in a no-code rule editor. Your underwriters own the product — no engineering tickets, no waiting.
Digital buying journey that converts
A quote-to-bind flow that completes in under three minutes. Mobile-first, A/B testable, multi-pet household ready, and white-labelled to your brand. Conversion analytics are built in so you always know where prospects are dropping off.
Claims that close fast
Digital FNOL with photo upload, AI-assisted triage, and real-time claim status for policyholders. Simple claims go straight through. Complex claims reach an adjudicator with everything pre-populated. Your team works on decisions, not admin.
Portfolio intelligence that prevents problems
Live loss ratio dashboards, breed heat maps, and churn prediction. See which segments are drifting toward unprofitability before they hit your combined ratio. Adjust pricing and appetite in real time without an engineering request.
What MGAs achieve after going live on PetCore.
Live in under six weeks
From contract signing to a live pet insurance product in four to six weeks. No six-month implementation. No custom development. Your underwriters configure the product; our onboarding team keeps the project on track.
Quote-to-bind under three minutes
The PetCore buying journey is optimised for conversion. Policyholders go from entering their pet's details to receiving a policy document in under three minutes. Multi-pet discounts, wellness riders, and coverage choices are all presented cleanly without slowing the flow.
30% of claims processed automatically
Simple claims — complete documentation, within coverage limits, no exclusion flags — go straight through without adjudicator involvement. Your claims team focuses on the 70% that genuinely need a decision.
Three markets, one platform
The same platform handles your US, UK, and Canadian products. One admin portal, one bordereaux format, one integration to manage — with market-specific compliance built in for each geography.
How we compare to the alternatives.
| Feature | PetCore | Generic P&C Platform | Build In-House |
|---|---|---|---|
| Pet-specific BRE (breed, age, pre-existing) | Native, no-code | Custom build required | From scratch |
| Quote-to-bind in under 3 minutes | Requires configuration | 12–24 months of build | |
| Multi-market (US, UK, Canada) | Built in | Per-market custom work | Per-market legal + engineering |
| Claims auto-adjudication | Included | Add-on or unavailable | Significant ML investment |
| Direct-to-vet billing | Included | Not available | Complex vet API project |
| Live in under 6 weeks | 6–18 months | 12–24 months | |
| Ongoing cost | SaaS subscription | High licence + services fees | Full engineering team overhead |
MGAs across three markets trust PetCore.
Your next pet insurance product is six weeks away.
Talk to our MGA specialists. We will map your product, your compliance requirements, and your go-live timeline in a single 45-minute call. No slides. No pitch deck. Just a straight conversation.
We reply within one business day. No commitment required.
Meet Our Innovators:
We aim to revolutionize how businesses operate through digital technology driving industry growth and positioning ourselves as global leaders.
Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.