Oslo Pet Insurance

What Oslo Pet Insurance does

Oslo Pet Insurance (operating as OSLO FZE) is a Dubai-based, privately-held pet insurance technology company serving cat and dog owners in the United Arab Emirates. Founded circa 2019 by Emmanuel Isenbrandt after a personal experience revealed the absence of suitable pet insurance options in the Dubai market, the company offers three subscription-based plan tiers: Vital (AED 50/month, AED 20,000 annual benefits), Favorite (AED 77/month, AED 35,000 annual benefits, marketed as 'Most Popular'), and Optimum (AED 89/month, AED 70,000 annual benefits). All three tiers include the OSLO Pet Tag and Pet Cloud Access, while the Favorite and Optimum tiers extend coverage to curable pre-existing conditions after a 12-month symptom-free period.

The company's core technology is the OSLO Pet Cloud platform, which supports paperless claims submission (typically processed within 3 working days), pet profile management, OSLO Pet Tag activation, and upcoming live-vet telemedical consultations. Oslo does not hold an insurance license; pet insurance products are underwritten and administered by Al-Ittihad Al-Watani (AIAW), a UAE-regulated insurance carrier licensed under UAE Federal Law No. 6 of 2007. OSLO designs the customer experience and product structure, while AIAW provides the regulatory underwriting framework. The two entities are operationally distinct, and the telemedical and Pet Cloud services are explicitly noted as non-insurance services unaffiliated with AIAW.

Oslo operates a digital-first, direct-to-consumer go-to-market with no physical retail, no agents, and no third-party distribution. Revenue mechanics are recurring subscription premiums of AED 50-89 per policy per month, supplemented by a Refer-a-Friend acquisition program (AED 50 incentive per successful referral). The company is registered in Dubai Silicon Oasis, has 1-10 employees, and has no disclosed funding rounds, revenue, or external institutional investment. Geographic reach is limited to the UAE (Dubai, Abu Dhabi, and other emirates), with no disclosed international operations.

Name

Oslo Pet Insurance

Legal name

OSLO FZE

Website

https://osloinsurance.pet

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Oslo Pet Insurance is a Dubai-based, privately-held pet insurance technology company offering three subscription tiers for cat and dog owners across the UAE, underwritten by AIAW and distributed through its OSLO Pet Cloud digital platform.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

Keywords

• Pet insurance plans
• Cat insurance
• Dog insurance
• Veterinary expense coverage
• Animal health insurance

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet Insurance Premiums: Monthly subscription-based pet insurance premiums. Customers pay monthly fees ranging from AED 50 to AED 89 per month depending on the chosen plan tier (Vital, Favorite, or Optimum). The insurance covers veterinary expenses for illness, accidents, and related treatments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Oslo Pet Insurance sells subscription-based pet health insurance for cats and dogs in the UAE across three monthly tiers (Vital, Favorite, Optimum) covering accidents, illnesses, diagnostics, surgeries, medications, and alternative therapies, underwritten by Al-Ittihad Al-Watani (AIAW). Customers purchase and manage policies through the OSLO Pet Cloud digital platform, submit claims by photographing paid vet bills, and receive reimbursements via direct transfer, with most claims finalized within three working days.

Product overview

Oslo Pet Insurance is a technology-driven pet insurance company operating in the UAE that offers three tiers of comprehensive pet insurance plans (Vital, Favorite, and Optimum) designed for cats and dogs. The plans cover accidents, illness, veterinary care including diagnostics, procedures, medication, imaging, emergency treatment, surgeries, and acupuncture/chiropractic care. The company differentiates through its OSLO Pet Cloud digital platform which includes a pet tag system for lost pet reunification, a paperless claims submission process, and upcoming live vet telemedical services. The Favorite and Optimum plans include coverage for curable pre-existing conditions after a 12-month waiting period.

Differentiator

Problem solved

Functional benefit

Brands

• OSLO Pet Cloud: A digital platform that allows pet owners to manage their pet profiles, submit claims, access veterinary services, and track their insurance coverage. Features include pet profile access, claim submission, live vet chat, and pet tag activation.

Products and services

• Pet Insurance for Cats and Dogs Subscription-based pet health insurance for cats and dogs in the UAE covering accidents, illness, diagnostics, procedures, medication, imaging, emergency care, surgeries, and alternative therapies such as acupuncture and chiropractic care. Customers select a monthly plan, pay via recurring billing, visit any licensed vet, and submit claims via OSLO Pet Cloud for direct-transfer reimbursement, with most claims closed within three working days.
• OSLO Pet Cloud Digital pet-management platform for Oslo Pet Insurance customers to access pet profiles, activate the OSLO Pet Tag, submit and track insurance claims, and access live vet consultation services. It is a separate non-insurance service unaffiliated with underwriter AIAW.
• OSLO Pet Tag Physical pet identification tag carrying a unique OSLO ID that, when scanned or referenced via the OSLO website, enables lost cats and dogs to be reunited with their owners through the OSLO Pet Cloud platform.
• Live Vet Telemedical Services Upcoming telemedical service within OSLO Pet Cloud that provides pet owners with on-demand access to professional veterinarians for instant guidance on pet emergencies and care questions.

Quantifiable outcome

• Claims processed in 3 working days
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Al-Ittihad Al-Watani (AIAW)coreStrategic or Co-development PartnerOSLO has partnered with Al-Ittihad Al-Watani (AIAW), a UAE regulated insurance company, to underwrite and administer their pet insurance products. AIAW is registered under UAE Federal Law No. 6 of 2007 with Insurance Authority License No. 42 and Commercial License No. 200345 dated 21/11/1976. OSLO designs the insurance plans and customer experience while AIAW provides the underwriting and insurance licensing.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Salama (Islamic Arab Insurance Company): UAE-based Islamic insurance provider offering diverse P&C products. A potential local incumbent that could expand into pet insurance, representing direct competitive risk in OSLO's home market.
• Abu Dhabi National Insurance Company (ADNIC): One of the largest UAE insurance carriers with broad P&C and medical lines. Comparable as a UAE-regulated insurer that could launch or partner for a pet insurance product, posing competitive or partnership risk to OSLO.
• Anicom Holdings: Japan's leading pet insurance company. Relevant regional benchmark for pet insurance penetration and product design in an Asian market context similar to OSLO's UAE positioning.

Direct peers

• Manypets: Digital-first pet insurance provider operating in the UK and US with a streamlined online purchase and claims experience. Directly comparable GTM motion and product-led growth approach.
• Embrace Pet Insurance: US-based pet insurance carrier offering accident, illness, and wellness coverage with tiered plans. Comparable product structure with multi-tier monthly subscription pricing similar to OSLO's Vital/Favorite/Optimum offerings.
• Healthy Paws Pet Insurance: US pet insurance provider specializing in accident and illness coverage with no per-incident caps. OSLO's marketing of no per-incident caps and fast claims processing is directly competitive with Healthy Paws' value proposition.
• Petplan: Established UK and North America pet insurance brand with accident, illness, and wellness coverage. Comparable product breadth and tiered coverage similar to OSLO's mid-tier and premium plans.
• Trupanion: Veteran direct-to-consumer pet insurance provider in North America with a veterinary-direct billing model. Closest comparable in terms of digital-first pet insurance distribution and subscription pricing.
• Pets Best: US pet insurance carrier offering tiered plans (Essential, Plus, Elite) with accident and illness coverage. Comparable multi-tier monthly subscription structure aimed at individual pet owners.

Broad incumbents

• Lemonade: Digital-first insurance carrier with pet insurance as one line within a broader portfolio (renters, home, life). Comparable mobile-first UX and AI-driven claims, but operates as a multi-line insurer rather than a pet specialist.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/oslo-pet-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Oslo Pet Insurance