United Pet Care

What United Pet Care does

United Pet Care (UPC) is a privately held, family-owned pet healthcare savings company founded in 1996 and headquartered in Phoenix, Arizona. It operates an alternative to traditional pet insurance, offering individual pet owners and employees a subscription-based membership that delivers instant 20-50% discounts at 1,500+ in-network veterinary practices across all 50 U.S. states. The platform distinguishes itself from conventional insurance by charging a flat $30 per pet per month regardless of breed, age, or pre-existing conditions, with no deductibles, no waiting periods, and no claim forms — savings are applied at the point of sale by presenting a membership card.

The core product architecture is a network-orchestration layer supported by adjacent modules: a Pet Prescription Savings Card accepted at 67,000+ retail pharmacies, a Fido Vet Spending Card powered by medZERO providing up to $500 of 0% interest financing at any U.S. veterinarian, and a newly launched 24/7 Virtual Care mobile app for triage and pet guidance. UPC operates employer-side enrollment through a sales motion targeting HR and benefits coordinators, with direct integrations into seven benefits administration platforms (Ease, Employee Navigator, isolved, GoWell Benefits, Paylogix, Plansource, Nava) and a partnership with New Benefits for broker distribution.

Revenue is generated through recurring membership subscriptions collected either directly from individual pet owners or via payroll deduction from employer-sponsored enrollments, supplemented by transaction-level economics on pharmacy and vet services. UPC pays its veterinary partners a $275 monthly administrative stipend per enrolled pet and reports a 98% vet partner retention rate, while its employer-channel programs achieve 8-20%+ employee participation compared to 1-3% for traditional pet insurance. The company is led by CEO Aaron Oaks, employs 11-50 people, has never disclosed external funding, and competes on ease-of-use, pricing simplicity, and pre-existing-condition acceptance rather than on AI or underwriting technology.

Name

United Pet Care

Legal name

United Pet Care

Website

https://unitedpetcare.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

United Pet Care is a Phoenix-based, private pet healthcare savings company operating a network of 1,500+ veterinarians across all 50 U.S. states, offering individual pet owners and employer-sponsored members flat-rate $30/month memberships with 20-50% instant discounts on in-network vet visits, prescriptions, and 24/7 virtual care.

Ownership category

akta.pro rank

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Individual Pet Owner Memberships: Monthly subscription membership for individual pet owners at $30 per pet. Members receive 20-50% savings on in-network vet visits, 24/7 virtual care, and prescription discounts. Payment collected via direct enrollment on the website.
2. Employer-Sponsored Pet Benefits: Employers offer UPC as a voluntary employee benefit with no administration costs. Membership fees are deducted from employee paychecks via payroll integration. Employers pay nothing; employees pay reduced rates through employer-negotiated pricing.
3. Veterinary Partner Stipends and Network Fees: Veterinarians receive monthly administrative stipends for each UPC pet enrolled in their practice. While members receive discounts, UPC generates revenue through membership fees that exceed the cost of vet stipends and administrative support.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

United Pet Care operates a pet healthcare savings membership that delivers 20–50% discounts on in-network veterinary visits and services for cats and dogs. The membership is offered both directly to pet owners and as a voluntary employee benefit, and is supplemented by add-on modules such as a veterinary financing card, a prescription discount card, and 24/7 virtual veterinary care.

Product overview

United Pet Care offers a pet healthcare savings plan as an alternative to traditional pet insurance. The core product provides members with instant discounts (20-50%) on in-network veterinary services through a monthly membership starting at $30 per pet. The platform is architecturally composed of a core savings plan supplemented by three key add-on modules: the Fido Vet Spending Card (financing), the Pet Prescription Card (pharmacy savings), and 24/7 Virtual Care (telehealth). Members access services through dedicated portals (Member Portal, Employer Portal) and a Vet Search Tool. The company operates a nationwide network of 1,500+ in-network veterinarians and integrates with major benefit administrators for employer enrollment.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 20-50% savings on every in-network primary care vet visit
• +7 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core.

• EasecoreChannel Partner/ Reseller/ DistributorEase is a benefits administration platform integrated with UPC for seamless employer enrollment. UPC is listed on Ease's marketplace, allowing brokers and employers to add pet care savings to their benefits package through the platform.
• Employee NavigatorcoreChannel Partner/ Reseller/ DistributorEmployee Navigator is a benefits administration platform that integrates with UPC for seamless employer enrollment. UPC is listed on their marketplace as a pet care savings partner.
• isolvedcoreChannel Partner/ Reseller/ Distributorisolved is an HCM platform integrated with UPC for seamless employer enrollment. UPC is listed on their marketplace for pet care savings.
• GoWell BenefitscoreChannel Partner/ Reseller/ DistributorGoWell Benefits is a benefits platform integrated with UPC for seamless employer enrollment and pet care savings offerings.
• PaylogixcoreChannel Partner/ Reseller/ DistributorPaylogix is a co-op provider platform integrated with UPC for employer pet care benefits enrollment.
• PlansourcecoreChannel Partner/ Reseller/ DistributorPlansource is a benefits administration platform integrated with UPC for seamless employer enrollment of pet care savings.
• NavacoreChannel Partner/ Reseller/ DistributorNava Benefits is a benefits platform integrated with UPC for employer pet care benefits enrollment, listed in their vendor marketplace.
• New BenefitscoreGTM or Marketing PartnerNew Benefits is a key UPC partner helping expand access to high-value, non-insured employee benefits. Through its benefits marketplace, technology, service support, and broker relationships, New Benefits helps position UPC as an affordable pet care solution.
• P3 TechnologiescoreTechnology or IntegrationP3 provides vets a seamless flow of medical data and pet prescriptions within their clinics and online. P3 is the engine behind UPC's new online pharmacy feature, empowering vets to streamline prescribing and focus on patients.
• PetDeskcoreTechnology or IntegrationPetDesk is a veterinary practice management platform with a 5-star rated mobile app, automated reminders, and texting tools. The partnership helps clinics retain clients and find new CareFirst clients.
• medZERO (Fido Vet Spending Card)coreTechnology or IntegrationFido by medZERO provides UPC members with up to $500 to cover veterinary expenses at any vet in the U.S. Members repay over 6-12 months at 0% interest with no credit check. medZERO administers the program and provides financing through lending partners.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pet Assure: Pet Assure operates a pet healthcare savings plan that provides discounts (typically 25%) at participating veterinarians — nearly identical business model to UPC, including network-based savings, no exclusions for pre-existing conditions, and a monthly subscription fee. This is UPC's closest direct competitor.

Broad incumbents

• Trupanion: Trupanion is the largest publicly-traded pet insurance company in North America, offering medical insurance policies that cover 90% of vet bills with no payout limits. It competes for the same employer benefit and pet-owner wallet but as a regulated insurance product rather than a discount network.
• Embrace Pet Insurance: Embrace offers pet health insurance with wellness rewards, covering accidents, illnesses, and optional preventive care. It targets similar pet-owner demographics and is available through employer benefits, positioning it as a regulated alternative to UPC's discount model.
• Healthy Paws Pet Insurance: Healthy Paws is one of the top-rated pet insurance providers in the U.S., offering unlimited lifetime benefits with no caps. As an established incumbent, it competes in the same employer and D2C channels that UPC relies on for member acquisition.
• Nationwide Pet Insurance: Nationwide was the first major U.S. insurer to offer pet coverage and offers plans through employers as a voluntary benefit. As a broad incumbent with deep employer relationships, it competes head-to-head with UPC in the voluntary pet benefits category.
• ASPCA Pet Health Insurance: ASPCA Pet Health Insurance (administered by Crum & Forster) offers accident, illness, and wellness plans and is widely distributed via employer benefit platforms — a direct channel overlap with UPC's employer-led GTM.
• MetLife Pet Insurance: MetLife Pet offers accident, illness, and wellness coverage with discounts for multiple pets and is available through employer benefits. As a broad incumbent with deep HR-channel relationships, it competes in UPC's primary employer distribution channel.

Emerging players

• Lemonade Pet Insurance: Lemonade Pet is a fast-growing digital-first pet insurance product from a well-capitalized insurtech, leveraging AI-driven claims and a mobile-first UX. It competes for the same employer-channel and D2C pet owner, but with a regulated insurance product and significantly larger marketing budget.
• Spot Pet Insurance: Spot offers accident, illness, and wellness pet insurance plans directly to consumers and through employer benefits, emphasizing customizable coverage. It is an emerging player in the same pet-owner benefit wallet UPC targets, but operates as a regulated insurance carrier.
• Pets Best Insurance: Pets Best offers pet insurance with customizable plans including wellness add-ons and is available through employers. It competes in the same voluntary benefits marketplace UPC distributes through, though as a regulated insurance product.

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/UnitedPetCare
• Facebookfacebook.com/unitedpetcare
• LinkedInlinkedin.com/company/unitedpetcare
• Instagraminstagram.com/UnitedPetCare

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Pet Care