Insurance Solutions for US MGAs. Built by Insurance Operators.
Solutions across the full MGA lifecycle: submission, underwriting, claims, reporting, renewal.
Our Specialty
What We Build
One specialty line. Built for the way US MGAs operate across the full pet insurance lifecycle: submission, underwriting, claims, reporting, renewal.
Pet Insurance
The pet insurance lifecycle, made smarter by AI built for the next decade of the line, not the last one.
AI-Powered Pet Insurance Journey
Vet Cost Inflation Forecasting
Breed-Genetic Risk Scoring
Vet Network Fraud Pattern Detection
Lifetime Value and Lapse Prediction Engine
AI Wellness Engagement Co-pilot
What We Do
We design and ship insurance technology for US pet insurance MGAs: underwriting workbenches, submission intake, claims engines, carrier reporting automation, and AI co-pilots. Built around your operating cycle, your delegated authority, and your fronting carrier's standards.
Why We Exist
US pet insurance is one of the fastest-growing lines in specialty insurance, yet penetration sits well below where the demand suggests it should be. The market is still being built, and the technology stack most MGAs run on wasn't built to win it. We exist to close the gaps no incumbent has: embedded distribution, real-time vet integration, breed-genetic underwriting, and AI-native claims. Built for the US pet insurance MGAs leading the next decade of the line.
Our Story
Insurance is the family business. Three generations of underwriting, distribution, and sitting across the table from carriers and reinsurers.
6 years on the inside of specialty insurance taught us one pattern: US MGAs were being asked to compete using technology built for carriers, not for delegated authority.
We started Insurnest to close that gap. Focused on one line, on purpose. Pet insurance is where the gap between MGA ambition and inherited technology matters most.
Built for the US pet insurance MGAs leading the next decade of the line. Operator to operator.
Delivery Model
How We Work
A delivery model built for MGA speed. Live in weeks, not quarters. Senior insurance and engineering team end-to-end.
Discovery
A short call. We map your binder, your fronting carrier requirements, your reporting cadence, and the operating gaps slowing you down.
Scoping
We translate the gaps into a build plan: what we ship first, what comes next, and what your team owns versus what we own.
Build
Senior insurance and engineering team builds against your operating reality. Weekly demos. No black-box delivery.
Launch
Go live faster than incumbent platforms. Your team trained, your fronting carrier briefed, your operations running.
Iterate
We don't ship and disappear. Ongoing iteration as your book grows, your carriers change, and your operating cycle evolves.
Built Around Your Operating Cycle
Workflows aligned to your binder dates, treaty year, and reporting cadence, not a generic calendar.
No Rip-and-Replace
We build alongside your existing systems. No long migrations, no change-management crisis.
AI Where It Matters
Applied AI in submission, underwriting, claims, and carrier reporting, with auditable outputs for carrier and NAIC scrutiny.
Built by operators who know that MGA speed is the moat. We ship at that speed because we've lived it.
Proud Members of the Global Insurtech Community
Hitul is an InsurTech Enthusiastic with over 14+ years of experience in FinTech and Technology. He has worked in India and South East14+ years of experience in FinTech and Technology
Sridhar has over 30+ years of consulting and marketing experience with US, UK top 10 Insurance companies. Bima Pragathi Co-founder, GTM and Strategic Consultant
Atish is an innovation strategist with over 30+ years of global experience in the insurance industry. His focus is on helping insurers reimagine business models and embrace disruptive technologies. He has held senior roles at TCS, Cognizant, and Mastek.
Shashi is a expert with over 18+ years of international experience in FinTech, Neobanking, Pre-Paid Program Management, Payments, Financial Inclusion, Insurance, and Micro-Pensions. He has worked with esteemed brands such as World Bank, AMUL and NABARD.
An experienced MarTech leader with 19+ years of driving business growth through productized offerings and digital transformation. Specializes in crafting impactful solutions that create customer excitement. Worked with Nokia, TCS, and H&M.
An insurance professional with 17+ years of experience across General Management, Business Development, Bancassurance & Broker Management, Risk Management, Compliance, and Strategy. Holds professional designations including CPA, CRA, Cert CII, and Chartered MCSI. Ex-Zurich Insurance.
Shubham has experience in Growth Management with over 6+ years of expertise, He possess a comprehensive understanding of business dynamics and market trends.
Data Science leader with 8+ years of experience in FinTech, FMCG, Supply Chain, Marketing, and Polymer industries.
Techno-Legal leader with 18+ years of experience serving Promoters, Entrepreneurs, CXOs, IT Heads, Legal, Management, start-ups, MSMEs in FinTech, Manufacturing, IT, and EduTech sectors.
Amol is a digital transformation leader with over 18+ years of experience in leading growth for teams across South East Asian markets. He specializes in performance marketing, analytics, and digital strategy, helping brands scale through data-driven insights, creative storytelling, and technology-led innovation. Recognized as a Google Search Ambassador and award-winning strategist, Amol blends creativity with analytical precision to deliver measurable impact
Insights
Insights for US MGAs
Practical field notes for US MGA Founders, COOs, and Heads of Underwriting.
Vet Cost Inflation and MGA Pet Insurance (2026)
Veterinary cost inflation is driving record consumer demand for MGA pet insurance products. Learn how MGAs can turn rising vet costs into profitable growth with data-driven pricing and AI.
Read morePet Insurance MGA Claims Ratio Benchmarks (2026)
Loss ratio, combined ratio, and claims frequency benchmarks for pet insurance MGAs with 2025 data by product line and competitor comparison methods.
Read morePet Insurance Claims Fraud: Common Schemes and How MGAs Detect and Prevent Them
Claims fraud guide for pet insurance MGAs covering common fraud schemes, detection methods, prevention strategies, investigation process, and building a fraud-aware culture.
Read moreTestimonials
In Their Own Words
FAQ
Frequently Asked Questions
Insurnest designs and ships insurance technology for US pet insurance Managing General Agents: underwriting workbenches, submission intake, claims engines, carrier reporting automation, and AI co-pilots. All engineered around the operating cycle of US delegated authority programs.
US pet insurance MGAs typically go live in a few weeks for first-line builds. Senior insurance and engineering team works directly on your build, with weekly demos and no rip-and-replace migrations.
Yes. We build state-by-state policy forms, disclosures, free-look handling, and SERFF-ready rate filing documentation aligned to the NAIC Pet Insurance Model Act, as adopted by US state Departments of Insurance.
Yes. We build API-driven integrations with veterinary practice management systems, pet retailer checkouts, and pet adoption platforms, designed to deliver real-time benefits verification and direct vet pay across US states.
Insurnest is built specifically for US pet insurance Managing General Agents (MGAs). We do not build for carriers, brokers, or generic insurance lines. US pet insurance MGAs are our entire focus.
Read My Operating Gaps in a Single Call
Bring your binder, your loss ratio, and your hardest operating problem. We'll spend a focused call mapping the gaps and show you exactly what we'd build to close them.
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.