About Us
We are a pet-focused underwriter with deep insurance industry experience, offering a product with proven consumer appeal. Our policies feature shorter waiting periods and industry-leading, innovative pre-existing condition coverage after 12 months, as well as optional add-on policies (like Inherited and Congenital coverage) that can help meet any budget and pet’s needs.
What We Do
Individual Pet
Years of experience has taught us that customizing a policy is best to help protect a pet's health and pet owner's peace of mind.
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Employer Group Pet
Unlike the other products currently on the market, our Group Pet Insurance represents the first true employer group product.
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Brokers
We provide clear benefits for you with the first true group pet product that's easy to quote, customizable, and ben-admin friendly.
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White Label Partnerships
A dependable pet insurance product built and branded exclusively for your audience.
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MGA Partnerships
Leverage our strong underwriting experience while you design and manage your unique pet insurance product.
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Affinity Partners
A co-branded pet insurance product, because your members know you want what’s best for them.
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Financial Strength
For nearly 20 years, we’ve helped protect customers facing unexpected medical bills. We are rated an A- (Excellent) by A.M. Best for financial stability and ability to meet policyholder obligations.
Technology Driven
Our cloud-based quoting, enrollment, and administrative platform makes it easy for producers to do business and help their clients make the best decisions.
Trusted Partner in Pet Insurance
We are a pet-focused underwriter with deep insurance industry expertise, offering products with broad appeal to consumers and groups (including employers, affinity associations, and unions) — including coverage of pre-existing conditions after 12 months.
A.M. Best affirmed the Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Rating (ICR) of “a-” (Excellent) of Independence American Insurance Company (IAIC)™ (Wilmington, DE). The ratings reflect IAIC’s balance sheet strength, which A.M. Best assesses as very strong, as well as its adequate operating performance, limited business profile, and appropriate enterprise risk management.
Click here to read the 2025 A.M. Best report.
The Best’s Company Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)’s products or services. A.M. Best is not responsible for transcription errors made in presenting Best’s Company Reports. Best’s Company Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Company Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.
Best’s Ratings are under continuous review and subject to change and/or affirmation. To confirm the current rating, please visit the AM Best web site, www.ambest.com.
Contact Us
Interested in our pet insurance products? Fill out this short form to get started.
Health Insurance Inquiries
For all Health insurance related inquiries, please click here.
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