Pet Care Insurance

What Pet Care Insurance does

Pet Care Insurance (PCI), founded in 2013, is a US-based digital insurance platform purpose-built for pet care professionals. Operating as a brand under Veracity Insurance Solutions, LLC and headquartered in Pleasant Grove, Utah, PCI delivers general liability, professional liability, animal bailee, veterinarian reimbursement, and lost key liability coverage to pet sitters, dog walkers, groomers, trainers, boarders, daycare operators, pet taxi providers, and pooper scoopers. Policies are underwritten through 'A'-rated carriers including Lloyd's of London and CNA, and the company explicitly markets itself as the only insurance provider focused exclusively on pet care professionals, with coverage modules designed around animal-specific risks that standard commercial policies exclude.

The platform is a cloud-based self-serve system that allows customers to quote, purchase, and activate coverage online in approximately ten minutes, with 24/7 policy management, certificate downloads, and claims filing through an online dashboard. Proprietary product components include an Instant Coverage Activation engine, an Online Policy Management Dashboard, and a Partner Dashboard that lets platforms and schools manage certificates and additional insureds for their member professionals. The product surface extends beyond the base general liability bundle into modular add-ons — Inland Marine Equipment & Inventory Coverage, Cyber Liability, Workers Compensation, Commercial Auto, Broadened Property Damage, and Employee Dishonesty — plus 10+ vertical-specific sub-brand policies (mobile groomer, pet kennel, doggy daycare, pet boarder, pet taxi, pooper scooper) and a separate Pet Health Insurance line for pet owners.

PCI's go-to-market combines direct-to-consumer digital sales (website, app, and buy-now CTAs starting at $17.92/month or $194/year) with a channel partner program that embeds the product inside major gig platforms (Rover, Wag!), pet scheduling software (PetSked), grooming schools, pet sitter groups, and pet associations. Revenue is generated through recurring subscription premiums on auto-renewing annual policies, plus optional add-on fees. The company reports serving 16,000+ pet care professionals across all 50 US states plus Puerto Rico and Canada, holds a 4.9/5 Google rating with 95% customer recommendation, and has been recognized on CNBC's 2025 Top FinTech Companies list and on the INC 5000.

Name

Pet Care Insurance

Legal name

Veracity Insurance Solutions, LLC

Website

https://petcareins.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Pet Care Insurance is a digital insurance platform providing liability and professional coverage tailored exclusively to US pet care professionals — sitters, walkers, groomers, trainers, boarders, and daycare operators — underwritten by 'A'-rated carriers including Lloyd's of London and distributed via direct online sales and integrations with Rover, Wag!, and pet-care educator platforms.

Ownership category

akta.pro rank

Product category

Pet Business Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industry

General Liability Insurance (FSAJAKAD)

Keywords

• Pet business insurance
• General liability insurance
• Professional liability coverage
• Pet sitter insurance
• Pet groomer insurance

Headquarters

HQ city

Pleasant Grove

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&D

Revenue model

1. Annual Insurance Premiums: Core revenue from annual insurance policy sales to pet care professionals. Policies start at $17.92/month or $194/year. Revenue is recurring as policies auto-renew annually.
2. Optional Coverage Add-ons: Additional coverage options that customers can add to their base policy for additional monthly fees. Examples include Equipment & Inventory Coverage (starting at $4.08/month), Cyber Liability ($6.58/month), Broadened Property Damage ($5.67/month), Additional Pet Protection (starting at $7.92/month), and Additional Veterinarian Reimbursement ($5.25/month).
3. Workers Compensation Insurance: Separate workers compensation coverage add-on for pet businesses with employees, with median cost of about $1,255 per year.
4. Equipment & Inventory Coverage (Inland Marine): Optional inland marine insurance add-on with three tiers: $2,000/$4,000 aggregate at $4.08/month, $5,000/$10,000 at $5.75/month, and $10,000/$50,000 at $22.42/month.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Pet Care Insurance sells specialized liability insurance policies to pet care professionals such as pet sitters, dog walkers, pet groomers, dog trainers, pet kennels, doggy daycares, pet boarders, pet taxi operators, and pooper scoopers. The core general liability policy (starting at $17.92/month or $194/year) bundles animal bailee, veterinarian reimbursement, and lost key liability, and can be purchased online in about 10 minutes. Optional add-on coverages include equipment/inventory, cyber liability, workers compensation, commercial auto, broadened property damage, and employee dishonesty.

Product overview

Pet Care Insurance (PCI) is a unified insurance platform offering specialized liability coverage for pet care professionals. The core product is General Liability Insurance (starting at $17.92/month or $194/year) which bundles together multiple coverages including third-party bodily injury, property damage, animal liability, pet protection (animal bailee), veterinarian reimbursement, and lost key liability. Professional Liability Insurance is included specifically for pet groomers. The company provides industry-specific sub-brand insurance products for 10+ pet care verticals (pet sitters, dog walkers, dog trainers, pet groomers, mobile groomers, kennels, doggy daycare, pet boarders, pet taxi, and pooper scoopers), all built on the same core general liability foundation. Optional add-on modules include Equipment & Inventory Coverage (Inland Marine), Cyber Liability Coverage, Workers Compensation Insurance, Commercial Auto Insurance, Broadened Property Damage Coverage, and Employee Dishonesty Coverage. Pet Health Insurance is offered as a separate product line for pet owners. Policies are underwritten through 'A' rated insurance carriers and backed by Lloyd's of London.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance

Quantifiable outcome

• 81% of legal claims covered by Pet Protection Coverage (Animal Bailee) and Veterinarian Reimbursement (2021-2022 data)
• +4 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Veracity Insurance SolutionscoreOthersParent company and administrator of Pet Care Insurance. Veracity Insurance Solutions owns and operates PCI, handling policy administration, claims processing, and customer service. Copyright 2013-2026 Veracity Insurance Solutions.
• RovercoreGTM or Marketing PartnerMajor pet care platform partnership where Rover contractors can access PCI coverage. Rover recommends their contractors carry their own insurance. PCI is designed to work with Rover professionals to meet platform requirements.
• Wag!coreGTM or Marketing PartnerMajor pet care platform partnership. Wag! professionals can access PCI coverage to meet platform insurance requirements and protect their businesses.
• Pet Sitter CourseminorStrategic or Co-development PartnerCertification partner providing pet sitter courses to help pet professionals enhance their skills. Pet professionals who choose PCI take their work seriously and partner with courses to be their best.
• Pawsome UniversityminorStrategic or Co-development PartnerPet first aid certification partner. PCI partners with organizations that help pet professionals be their best through education and certification programs.
• IAHAIPC (International Association of Animal Hospice and Palliative Care)minorStrategic or Co-development PartnerAnimal advocate certification partner. PCI partners with organizations that care about the furry friends their professionals serve, including animal hospice and palliative care certification.
• DogsterminorGTM or Marketing PartnerPet media partner and advocate. Dogster is part of the pet community ecosystem that promotes pet professionals and shares information about pet care.
• CatsterminorGTM or Marketing PartnerPet media partner and advocate. Catster partners with PCI to promote pet professionals and share information about cat care.
• HepperminorGTM or Marketing PartnerPet media partner providing reviews and information about pet care services. Hepper features PCI reviews and information about pet care insurance.
• TrupanionminorOthersPet health insurance provider listed as a trusted partner. Trupanion provides pet health insurance that complements PCI's business insurance coverage.
• Hartville Pet InsuranceminorOthersPet health insurance provider listed as a trusted partner. Hartville provides pet health insurance that complements PCI's business insurance coverage.
• DigePetminorOthersPet technology company listed as a trusted partner on the About page.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Others

• Wag!: Major US pet-care gig platform and PCI distribution partner. Same ecosystem role as Rover; comparable relationship dynamic and dependency profile for PCI's mid-funnel customer flow.
• Rover: Largest US pet-care gig platform and core PCI distribution partner. Ecosystem participant rather than competitor; key channel for PCI's customer acquisition and a potential future competitor if Rover insources insurance.

Direct peers

• CoverWallet: Digital commercial insurance platform that matches SMBs to carrier policies with online quoting and policy management. Comparable in product breadth (GL, professional liability, workers comp) and digital SMB GTM motion.
• Thimble: On-demand, short-duration general liability insurance for small businesses and gig workers, sold entirely online with monthly billing. Closely mirrors PCI's PLG, low-friction bind-and-go model for SMB customers.
• Next Insurance: Digital-first commercial insurance platform targeting small businesses with instant bindable policies online, similar to PCI's self-serve SMB model. Operates across multiple verticals and shares the cloud-based, agent-free underwriting approach.
• Simply Business: Online insurance marketplace and broker for small businesses across many verticals, with digital quote-to-bind flows. Compares to PCI's verticalized, online SMB insurance distribution approach.
• Hiscox: Specialist small business insurer offering professional and general liability online to SMBs across professional verticals, including niche trades. Comparable to PCI in targeting professionals with tailored liability products and small-premium monthly subscriptions.

Broad incumbents

• Lemonade: Public, AI-native digital insurance carrier offering renters, home, car, and pet insurance direct-to-consumer. Comparable digital-first insurance model and brand-led GTM; broader portfolio but overlapping technology and target customer.

Emerging players

• Petplan: Specialty pet health insurance carrier serving US pet owners. Adjacent to PCI's professional-liability business but overlaps on the pet-vertical brand and customer ecosystem (pet owners who are also pet-care buyers).
• Trupanion: Direct-to-consumer pet health insurance provider and listed PCI partner. Adjacent rather than directly competitive; competes for pet-vertical wallet share and serves similar customer demographics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/petcareins
• Facebookfacebook.com/petcareins
• Instagraminstagram.com/petcareinsurance
• LinkedInlinkedin.com/company/pet-care-insurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Pet Care Insurance