Pettrac

What Pettrac does

Pettrac is a UK pet insurance scheme for dogs and cats, operating as a trading style of AVID Plc (registered in England and Wales) and Jigsaw Insurance Services Limited (FCA Reference Number 307654, Company Number 05052874). Both entities sit within PIB Group, a UK insurance distribution group. Pettrac offers three levels of cover with vet fee limits up to £12,000 per policy term, plus a modular set of add-ons including death cover, holiday cancellation cover, third-party liability for dogs up to £2 million, and overseas travel cover including quarantine expenses. A distinguishing feature is the bundled FirstVet partnership, which provides unlimited 24/7 video consultations with qualified veterinarians at no extra premium cost.

The business model is a direct-to-consumer recurring subscription model. Customers obtain personalised quotes and complete purchases exclusively via a phone-based inside-sales team (01423 447 375); no online quote/buy capability, mobile app, or public API is offered. Premiums are spread over 12 monthly instalments at no extra charge, supporting retention. The customer is the individual UK pet owner; the value proposition is protection against unexpected veterinary costs, theft/loss, holiday disruption, and third-party liability. Distribution is augmented by partner 4Paws, a sister trading style of NCI Insurance Services Limited, which resells Pettrac policies as an Appointed Representative of Jigsaw.

The operating footprint is concentrated in the UK. Offices are registered in Retford (Jigsaw), Lewes (AVID Plc headquarters), and Harrogate (claims department). Claims handling transitioned in May 2024 from Covea Insurance to an internal UK-based claims team for new policies and post-13 May 2024 renewals. The geographic restrictions explicitly exclude coverage outside the UK. No revenue figures, headcount, funding history, or senior leadership information are disclosed in the available data.

Name

Pettrac

Legal name

AVID Plc

Website

https://insurewithpettrac.co.uk

Company type

Private

Operating status

Operating

Short description

Pettrac is a UK pet insurance scheme for dogs and cats, offered as a trading style of AVID Plc and administered by PIB Group's Jigsaw Insurance Services Limited under FCA regulation. It sells three tiers of cover with bundled FirstVet video vet consultations via a phone-based direct-to-consumer model.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

Keywords

• Pet insurance
• Dog insurance
• Cat insurance
• Veterinary fee coverage
• Telemedicine veterinary

Headquarters

HQ city

Retford

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet Insurance Premiums: Recurring premium payments from pet insurance policies. Three levels of cover available up to £12,000 per year. Monthly payment options to spread cost at no extra charge.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

PETtrac sells pet insurance policies for dogs and cats in the UK, offering three levels of cover with vet fee limits up to £12,000 per policy term. Policies include access to 24/7 FirstVet video vet consultations, optional Third Party Liability cover up to £2 million for dogs, overseas travel cover including quarantine expenses, and the option to spread premiums across 12 monthly payments at no extra cost. Policies are administered by FCA-authorised Jigsaw Insurance Services Limited.

Product overview

PETtrac is a UK pet insurance provider offering a unified insurance platform for dogs and cats. The core product provides three levels of coverage with vet fee limits up to £12,000 per year, with policies administered by Jigsaw Insurance Services Ltd. The product portfolio includes the main PETtrac Pet Insurance offering supplemented by modular add-on coverages: Standard Cover for basic vet fees and emergency care, Death Cover for accident and illness-related death benefits, Holiday Cancellation Cover for trip disruptions due to pet illness, Third Party Liability for dog owners, and Overseas Travel Cover for international travel protection. A distinctive feature is the inclusion of FirstVet video consultation access, providing 24/7 vet access as part of the base insurance package. Customers can spread premiums over 12 monthly payments at no extra cost.

Differentiator

Problem solved

Functional benefit

Products and services

• PETtrac Pet Insurance

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• Jigsaw Insurance Services LimitedcoreImplementation/ SI/ Consulting PartnerAdministerer of PETtrac insurance policies. Authorised and regulated by FCA (Reference 307654). Part of PIB Group. Registered in England and Wales, Company Number 05052874.
• FirstVetcoreTechnology or IntegrationVideo consultation platform providing unlimited 24/7 access to qualified veterinarians. Included with PETtrac insurance policies at no extra cost.
• PIB GroupcoreOthersParent company group encompassing NCI Insurance Services Limited and Jigsaw Insurance Services Limited. Major insurance distribution group in the UK.
• Covea InsuranceminorImplementation/ SI/ Consulting PartnerClaims handler for policies purchased before 1st May 2024 or with renewal dates before 13th May 2024. Handles veterinary fees claims and third party liability claims.
• 4Paws (NCI Insurance Services Limited)coreChannel Partner/ Reseller/ DistributorTrading style offering PETtrac policies. Part of PIB Group. NCI Insurance Services Limited is an Appointed Representative of Jigsaw Insurance Services Limited.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Emerging players

• Everypaw: Direct-to-consumer UK pet insurance brand for cats and dogs, distributed online and via phone. Closely comparable on product design, target customer, and digital/phone GTM motion to PETtrac, although typically with a stronger online quote flow.
• Many Pets: UK-founded digital-native pet insurance provider (formerly Bought By Many) now operating across the UK and US. Comparable on product (cat and dog insurance) and customer segment, but differentiated by a fully online quote-and-bind flow and technology-led claims experience.
• VetsMediCover: UK pet insurance scheme operated by a specialist administrator, providing cat and dog cover to UK pet owners. Comparable as a niche UK pet insurance brand administered by a third party, similar in structural setup to PETtrac's PIB/Jigsaw arrangement.

Direct peers

• Animal Friends Insurance: UK pet insurance specialist offering lifetime, max-benefit and accident-only cover for cats and dogs. Closely comparable as a mid-sized UK-focused pet insurance brand distributing direct-to-consumer with multi-tier product design, similar to PETtrac.
• Petplan: The largest UK pet insurance provider for dogs and cats, offering lifetime, time-limited and accident-only cover. Directly comparable on product structure (tiered cover, vet-fee limits, add-ons) and target customer (UK dog and cat owners), but at materially larger scale and brand recognition.

Broad incumbents

• LV= Pet Insurance: General insurance provider with a UK pet insurance product for cats and dogs. Comparable product/market, but distributed as part of a multi-line insurer offering broader financial services, giving it different scale and distribution advantages.
• Direct Line Pet Insurance: UK household-name insurer offering pet insurance as part of a broader general insurance portfolio. Overlaps with PETtrac on target customer and product type but competes with much larger marketing budgets and an established direct digital channel.
• Sainsbury's Bank Pet Insurance: Affinity-branded pet insurance distributed through Sainsbury's UK retail customer base. Comparable product (cat and dog cover) and customer demographic, but reaches customers through a major supermarket rather than a direct phone motion.
• Argos Pet Insurance: UK retailer-affinity pet insurance product (historically underwritten by HomeRetail Group partners). Comparable on product type and mass-market UK pet owner customer, but with different distribution dynamics.
• Tesco Bank Pet Insurance: Retail-affinity pet insurance underwritten by an external carrier and sold to Tesco's UK customer base. Comparable cat and dog cover, but distributed via a large supermarket's affinity channel rather than direct phone sales.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Pettrac