Quote with the full picture.
Verified pet profiles and medical records that reduce friction in quoting and claims, and improve pricing over time.
- Pre-filled quote + application flow
- Claim-ready submissions with required documents
- Verified data signals (when PMS integrated)
POST /V1/QUOTE
200 OK · 142ms
risk_band: "low"
pawpulse: 92
docs_ready: true
PMS Synced
Steenberg Vet · last synced 2h ago
Verified data package
buddy_2yo_golden
Insurers are pricing blind. Claims are admin-heavy.
Petsly creates a verified pet health timeline that improves risk selection, reduces fraud risk, and increases conversion.
What insurers get
Four modules. One integration.
Quote + Application Rail
- Pre-filled quotes from verified pet profiles
- Fewer fields, fewer drop-offs
- Policy linking to pet profile
Claims Rail
Straight-through where possible
- Claim submission inside Petsly
- Required documents checklist (reduces back-and-forth)
- Status + outstanding items visible to customer (reduces calls)
Verification + Fraud Reduction
- Vet-verified visit / event metadata (when PMS integrated)
- Document authenticity signals
- Reduces manual chasing and lowers fraud risk
Underwriting Data Package
PawPulse-ready
- Underwriting snapshot at point of sale / renewal
- Longitudinal compliance indicators (where available)
- Better segmentation over time → better loss ratio
End-to-end
One flow, from quote to renewal.
Customer selects insurer
Inside Petsly compare
Quote generated
Pre-filled from profile
Application + policy linked
Policy attached to pet
Claim submitted
Docs + verified visit data
Status returned
Outstanding items visible
Renewal / upsell
Same surface · optional
Data sources · Trust levels
You choose what counts.
Insurers can choose which trust levels are accepted for quoting and claims rules.
| Source | Trust level | Used for |
|---|---|---|
| Vet PMS data | Highest | Vaccinations, visit dates, invoice metadata |
| Uploaded vet docs | Medium | Vaccination cards, invoices, lab results |
| Owner logs | Lower | Symptoms, meds given, weight updates |
| Derived signals | Computed | PawPulse score, compliance patterns, claim readiness |
Implementation
Sandbox to production in as little as 2 weeks.
- Sandbox keys + webhook setup
- Quote + application endpoints
- Policy linking
- Claims endpoints + status updates
- Document schema and validation rules
- Go-live monitoring
- API access + product rules
- Claims document requirements + status codes
Security · Consent · POPIA
Consent-based, POPIA-aligned data sharing.
Built to remove procurement friction. A sample DPA and the full security overview ship with the integration pack.
User opt-in to share data with an insurer
Per-insurer, per-scope consent, owners can revoke at any time.
Data minimisation
Only what is required for the specific quote or claim is shared.
Access control + audit logs
Per-insurer scoped access; every read is logged and exportable.
Hosting disclosure
Primary data residency in South Africa, sub-processors listed in the security overview.
Retention policy
Records held for the policy lifetime, then anonymised per published schedule.
What improves over time
The longer customers use Petsly, the better the data gets.
Higher quote completion
Pre-filled profiles cut application drop-off.
Faster claims turnaround
Document completeness + status visibility shorten cycle times.
Better underwriting segmentation
Longitudinal history + compliance signals sharpen risk pricing.
Commercial model
Pricing aligned to outcomes.
Per underwriting package
Verified historic data for better quoting.
Per claim processed
Pay-per-use on the claims rail.
CPA / revenue share
Distribution-aligned.
Volume tiers
Available on request.
Frequently asked
Procurement-ready answers.
Anything not covered here? Request the integration pack, it includes API reference, security overview and a sample DPA.
Email partnershipsBook a demo and see the rails in action.
45 minutes. A live walk-through of the quote, application and claims rails, with your data model in mind.