Dedicated actuarial, analytical and financial advisory services for pet insurers and other pet insurance market participants. We help clients understand risk, develop sustainable products and improve portfolio performance.
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Pricing, rating structures, benefit design and evaluation of product changes, balancing policyholder value with sustainable underwriting.
Insurance liability analysis, financial projections, portfolio performance assessment and financial reporting support.
Statistical and predictive analysis of veterinary costs, claims utilization, policyholder behavior and emerging risk factors.
Portfolio risk, reinsurance arrangements, growth opportunities and strategic alternatives informed by actuarial and commercial analysis.
Veterinary medical costs, evolving treatment practices, animal demographics, policyholder behavior and product design can materially influence claims experience and portfolio profitability. We study these dynamics to support more informed pricing, underwriting, reserving and strategic decisions.
Selected perspectives on market positioning and developments, pricing, claims trends, and reserving. Explore the central ideas below and read each publication on LinkedIn.
Regional differences in veterinary costs create a pricing challenge when an insurer’s own experience is too thin for credible territorial rates. The post considers the trade-off between granular segmentation and statistical credibility.
Household composition is changing the market for pet insurance. Understanding demand across smaller households can inform product design, distribution and customer segmentation.
Policyholder behavior, retention and claims emergence can affect portfolio economics over time. The analysis considers how better behavioral data can strengthen insurance decisions.
For further publications and commentary, visit the Pet Actuary LinkedIn page ↗.
Pet Actuary conducts a periodic survey of claims and policy experience across participating pet insurers. The survey examines emerging claims trends, policy experience and drivers of portfolio performance.
The most recent survey covered 2022–2024 and included participating insurers across the US.
Participating insurers receive a comparative benchmark analysis of their own experience relative to other participants, helping identify areas of strength, emerging risks and opportunities for improvement.
Survey information is treated confidentially. We use anonymization, minimum aggregation thresholds and access controls in preparing comparative results, and can arrange a non-disclosure agreement where appropriate. Details of the survey methodology, data requirements and participation terms are available upon request.
Request survey information →We welcome inquiries from organizations seeking specialized actuarial and analytical support for pet insurance products and portfolios.
Contact Pet Actuary →Pet Actuary is a specialist business affiliated with Actuarial Risk Solutions.
