SBI PRISM SSI

What SBI PRISM SSI does

SBI PRISM SSI Co., Ltd. (SBIプリズム少額短期保険株式会社) is a Sendai-headquartered, privately-held small-sum short-term insurance provider (\u5c11\u984d\u77ed\u671f\u4fdd\u967a\u696d\u8005) wholly owned by SBI Holdings. Founded in 2008, the company underwrites pet insurance exclusively under the Prism Pet (\u30d7\u30ea\u30ba\u30e8\u30c3\u30c8) brand across three product lines: the Dogs and Cats Course (with four plan tiers — Anytime Pack Premium, Value, Light, and the senior Genki Oen over8), the Small Animals Course (rabbits, hamsters, other small mammals), and the Birds and Reptiles Course. Coverage spans hospitalization, veterinary examination, surgery, and breeding-cost compensation, with a stated 100% reimbursement ratio within policy limits, monthly subscription pricing ranging from roughly ¥1,560 to ¥8,830 depending on species, age, and plan tier, and maximum annual coverage up to ¥2.25 million.

The company operates a direct-to-consumer digital platform (sbiprism.co.jp and prismpet.sbiprism.co.jp), where policies are applied for and managed entirely online, with coverage commencing approximately 31 days after application confirmation. Service extensions include Hot Dial 24, a 24-hour veterinary consultation hotline, and the Hokenbo mobile app for self-service policy management. The platform architecture is a standard web-based application and claims processing system without disclosed proprietary AI/ML components, relying on Google's web analytics for marketing optimization.

Commercially, SBI PRISM SSI functions both as a primary pet insurer and as a multi-company insurance agency (\u4e57\u5408\u4ee3\u7406\u5e97) within the SBI Group, distributing SBI Sompo, SBI Life, SBI Ikiiki Short-Term, SBI Japan Short-Term, SBI Rista Short-Term, and SBI Pet Short-Term products to consumers. Revenue is generated through recurring monthly insurance premiums (subscription model) on a long-tail base of individual pet owners in Japan, with no enterprise or institutional customer concentration. The business is geographically limited to Japan.

Name

SBI PRISM SSI

Legal name

SBIプリズム少額短期保険株式会社

Website

https://sbiprism.co.jp

Company type

Private

Founded year

2008

Operating status

Operating

Short description

SBI PRISM SSI is a Sendai-based pet insurance provider and SBI Holdings subsidiary operating the Prism Pet brand in Japan, underwriting subscription-based health coverage for dogs, cats, small animals, birds, and reptiles through a direct-to-consumer digital platform.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)

Keywords

• Pet insurance
• Small-sum short-term insurance
• Veterinary expense coverage
• Animal health insurance
• Exotic pet insurance

Headquarters

HQ city

Sendai

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pet Insurance Premiums: Monthly or annual subscription-based insurance premiums collected from pet owners. Coverage includes hospitalization, veterinary visits, surgeries, and breeding cost compensation for dogs, cats, small animals, birds, and reptiles.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

SBI PRISM SSI is a small-sum short-term insurance company that sells pet insurance under the Prism Pet (プリズムペット) brand in Japan. It offers monthly subscription policies covering hospitalization, outpatient visits, and surgery for dogs, cats, small animals, birds, and reptiles, organized into three product courses (Dogs and Cats, Small Animals, Birds and Reptiles) with tiered plan options. The company also operates a 24-hour veterinary telephone consultation service (Hot Dial 24) and a mobile app (Hokenbo App) to support policyholders.

Product overview

SBI PRISM SSI operates as a pet insurance provider under the Prism Pet (プリズムペット) brand, offering a unified product portfolio with three main animal category courses: Dogs and Cats Course (犬猫コース), Small Animals Course (小動物コース), and Birds and Reptiles Course (鳥類・爬虫類コース). Within the Dogs and Cats Course, the company provides four distinct plan tiers — Anytime Pack Premium, Anytime Pack Value, Anytime Pack Light, and Anytime Pack Genki Oen over8 for senior pets aged 8 and above — each offering varying levels of hospitalization, examination, and surgery coverage. The offering is supplemented by the 24-hour veterinary consultation Hot Dial 24 service and the Hokenbo mobile app for policy management. The company is part of the SBI Group and operates as a small-sum short-term insurance provider (少額短期保険業者), focusing exclusively on pet insurance coverage.

Differentiator

Problem solved

Functional benefit

Brands

• プリズムペット (Prism Pet): Pet insurance brand offering coverage for dogs, cats, small animals, birds, and reptiles with various plan options including いつでもパック プレミアム, バリュー, and ライト plans, as well as 元気応援over8 for senior pets.

Products and services

• Dogs and Cats Course (犬猫コース)

Quantifiable outcome

• 100% compensation rate for eligible claims within coverage limits

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• SBI損害保険株式会社 (SBI Sompo)coreChannel Partner/ Reseller/ DistributorSBI PRISM SSI operates as an insurance agency (乗合代理店) that recommends and distributes SBI Sompo products including automobile insurance, cancer insurance, and overseas travel insurance.
• SBI 생명보험 (SBI Life Insurance)coreChannel Partner/ Reseller/ DistributorAs an insurance agency, SBI PRISM SSI recommends and distributes SBI Life Insurance products including term life insurance, whole life medical insurance, and disability income insurance.
• SBIいきいき少額短期保険株式会社coreChannel Partner/ Reseller/ DistributorSBI PRISM SSI distributes products from SBI Ikiiki Short-Term Insurance for death benefit, medical, and long-term care insurance.
• SBI日本少額短期保険株式会社coreChannel Partner/ Reseller/ DistributorSBI PRISM SSI distributes products from SBI Japan Short-Term Insurance including renter's insurance, motorcycle insurance, and bicycle insurance.
• SBIリスタ少額短期保険株式会社coreChannel Partner/ Reseller/ DistributorSBI PRISM SSI recommends earthquake insurance products from SBI Rista Short-Term Insurance as supplemental coverage.
• SBIペット少額短期保険株式会社coreChannel Partner/ Reseller/ DistributorSBI PRISM SSI recommends internet-based pet insurance products from SBI Pet Short-Term Insurance as an alternative option for pet owners.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Trupanion: North American direct-to-consumer pet insurance leader with Vet Direct Pay model. Useful international benchmark for digital pet insurance economics and product design, though geographically separate from SBI PRISM SSI.

Broad incumbents

• Tokio Marine Pet Insurance: Pet insurance line under one of Japan's largest P&C insurers. Comparable product offering but with materially greater scale, agency network, and capital backing than SBI PRISM SSI.
• Sony Insurance Pet (ソニー損保 ペット保険): Pet insurance line of broader P&C insurer Sony Insurance. Offers similar dog/cat coverage with tiered reimbursement and digital claims, leveraging a much larger parent insurance brand.

Emerging players

• Lemonade Pet: Digital-native insurer offering pet coverage as a product extension. Comparable technology-first, direct-to-consumer underwriting approach and a relevant proxy for the digital pet insurance roadmap SBI PRISM SSI may pursue.
• FWD Life Insurance Japan: Asian-founded insurer with growing pet insurance offerings in Japan. Comparable digitally-led approach targeting younger Japanese pet owners, though with a broader life-insurance portfolio.

Direct peers

• Anicom Insurance: Japan's largest pet insurance carrier underwritten through Sompo Japan, covering dogs, cats, and exotics. Direct competitor to SBI PRISM SSI in Japanese pet insurance, with substantially larger premium volume and deep veterinary-clinic integrations.
• Aeon Pet Insurance (イオンペット保険): Pet insurance distributed through the Aeon retail ecosystem, covering dogs and cats. Comparable direct-to-consumer pet insurance model targeting Japanese pet owners with broad demographic reach.
• Pet & Family Insurance: Japanese pet insurance carrier offering dog, cat, and exotic pet coverage with subscription-style policies. Comparable product breadth (including non-standard pets) and target customer segments to SBI PRISM SSI.
• SBI Pet Short-Term Insurance (SBIペット少額短期保険): Internet-only pet insurance subsidiary within the same SBI Holdings parent group. Directly comparable business model and target market, creating intra-group competition that SBI PRISM SSI must navigate.

Others

• Google Analytics (used by SBI PRISM SSI): Listed as a technology integration partner enabling website analytics and targeted advertising. Tangential ecosystem participant rather than a competitor, included to reflect known vendor relationships.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 SBI PRISM SSI