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Though launching new pet policies gives insurers a way to enter a high-growth market with frequent customer engagement and lots of potential for increased customer loyalty, success depends on the technology powering it.
Insurers need to be able to launch quickly, adapt products as the market evolves, and support digital experiences that feel simple for pet owners, partners, employers, and veterinary providers alike.
Today’s biggest opportunities in pet insurance
Cross-Sell to Current P&C Customers
Home and auto books are full of pet owners. By integrating pet as a new offering, insurers can quote, bind, bill, and service pet alongside existing customer relationships without disrupting their current business operations.
Make Pet Insurance a Voluntary Employee Benefit
Increasingly, employers are wanting to add pet insurance to their benefits offering to improve employee satisfaction and retention. Insurers that can offer payroll deductions, eligibility feeds, and branded enrollment experiences can turn a fun perk into a serious retention play with less administrative cleanup for HR teams and employees.
Win Through Partner Distribution
Retailers, vets, shelters, and other pet-centric businesses can all become growth channels for pet insurance. Insurers that win here will need fast partner onboarding, configurable product and pricing rules, clean data exchange, efficient billing processes, channel-specific reporting, and governance that protects each brand’s experience.
The technology needs of pet insurers
A Pet-Ready Core System
Because pet insurance behaves less like traditional P&C or a typical group benefits insurance product, insurers need an architecture that supports it.
Insurers need customer-centric architecture that handles high-frequency engagement, chronic conditions, wellness add-ons, multi-pet complexity, and continuous change without needing heavy IT cycles that slow down agility.
Channel Flexibility Without Chaos
Pet owners buy pet insurance through all sorts of channels. As a result, insurers need distinct journeys for selling and onboarding for DTC (direct-to-consumer), employer, retail, vet, and other referral channels.
EIS OneSuite supports multi-brand, multi-tenant, API-led distribution so every new partner project doesn’t turn into a time-consuming custom build.
Governed AI and Clean Data
Because pet data comes from invoices, vet records, diagnostics, pharmacies, wearables, and owner interactions, a solid data architecture (with governed AI) is needed to ingest, manage, and streamline it well.
With EIS OneSuite powered by CoreGentic, pet insurers get data that’s standardized and fluid, to empower all downstream workflows and drive AI actions. All AI operations within EIS are well-governed, explainable, auditable, secure, permissioned, and tied safely back to execution within the core platform.
Today’s biggest opportunities in pet insurance
A customer-centric data model connects the owner, pet, policy, bill, claim, provider, and partner data all onto the customer record, not split across operational silos.
Event-driven workflows let pet insurers trigger workflows automatically when data changes across policy, billing, claims, service, or partner systems.
An API-first architecture supports DTC, employer, retail, vet, and partner distribution and ecosystem integration with cleaning onboarding and data connectivity.
Core-embedded AI helps insurers automate with control, using explainability, audit trails, human oversight, and insurer-defined rules inside core operations.
A MACH Alliance certified architecture gives pet insurers the cloud scale, open APIs, and headless experiences needed to support high-volume digital engagement across owners, employers, vets, retailers, and partners.
How to evaluate, select, and implement the right core platform
Pet insurance buyers guide
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Pet insurance core platform evaluation scorecard
