The Blind Spot
Reactive by Design
Nothing in the old model rewards prevention. Problems only surface once symptoms — and the emergency bills — have already arrived.
Early-Stage Venture • InsurTech • Dogs & Cats
The more you do for your pet, the more we do for you.
Old-school pet insurance hikes your price the moment your pet ages or gets sick. We flipped the model: earn points for the wellness products and preventive care you already pay for — at a member discount through our partners — and your premium drops. For dogs and cats, built for owners who think good care should actually count for something.
92
/ 100
Dental care kit +15 pts
Premium nutrition +20 pts
Annual check-up +25 pts
Premium this month
−18%
Built by student founders out of the University of Washington, UC Irvine & Cornell.
The Flaw in the
Market
Old-school pet insurance is reactive — and it punishes you.
Traditional insurers raise your price the moment your pet ages or gets sick, no matter how well you've cared for them — and you only find out something's wrong when the bill arrives. It's a model built for the insurer, not for you or your dog or cat. The people buying pet insurance today already spend on their pets' health. Nothing rewards them for it.
The Penalty
Punished for Aging
Premiums spike as your pet gets older or sicker — exactly when you can least afford it, and exactly when they need you most.
The Misalignment
No Reward for Care
Do everything right for your pet and your premium is identical to the owner who does nothing at all.
How It Works
Get rewarded for the care you already give.
It's a simple loop: buy good things for your pet, show us the proof, and your premium goes down. The healthier the habits, the higher your score — and the more you save. Dogs and cats alike.
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Shop for wellness
Buy the wellness products your pet already needs — dental care, premium food, supplements, grooming, even a vitals monitor. Use our partner referral codes and you'll usually unlock a member discount on the product itself.
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Prove the purchase
Through a partner, it's automatic — your referral code logs the purchase at checkout. Bought somewhere else? Just upload the receipt. Preventive vet care, like exams and dental cleanings, counts the same way.
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Your score lowers your price
Every verified purchase and care action builds your monthly Wellness Score. The higher your score, the more you save — up to 20% off your premium. The more you do, the more we do for you.
Smart by
Design
We don't just price risk — we work to reduce it.
PawGentic is building the predictive models pioneering a more proactive pet health industry: learning what actually keeps dogs and cats well, flagging risk earlier, and rewarding the everyday habits that lower it — across your pet's whole life, not just one corner of it.
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Earlier Detection
We surface risk before it turns into a painful crisis — or a costly claim.
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Personalized
Our models learn what healthy looks like for your specific dog or cat — not a generic average.
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Aligned Incentives
We only win when your pet stays well — so we invest in keeping them that way.
The Wellness Score
Points for the wellness your pet already needs.
From dental kits to better food to preventive vet visits, verified healthy choices build your monthly Wellness Score — and the higher the score, the lower your premium, up to 20% off. We're building partnerships across every corner of pet wellness, so the points add up across your pet's whole life, not just one gadget.
Dental & Oral Care
Brushing kits, dental chews, and water additives — oral health that's tied to far more than fresh breath.
Nutrition
Premium, prescription, and life-stage food for dogs and cats — the foundation of long-term health.
Joint & Supplements
Mobility support, omega-3s, and probiotics that help keep small issues from becoming claims.
Grooming & Skin
Coat, skin, and parasite care that catches irritation and infection early.
Vitals Monitors
Optional wearables that track heart rate, activity, and rest — for owners who want an even closer eye on their pet.
Preventive Vet Care
Annual exams, dental cleanings, and vaccinations — the routine care that quietly prevents the big claims.
Partner or not, your purchases count.
Buy through one of our partners and your points post automatically at checkout — plus you unlock a member discount on the product. Buy somewhere else? Just upload the receipt. Either way, every verified purchase grows your score and lowers your premium.
Why these, and not points for logging in?
Every partner category is chosen for a real, evidenced link to your pet's health — take dental care, where oral bacteria is tied to periodontal disease, which is in turn linked to the kind of heart condition behind why we started PawGentic. These are health hypotheses, not loyalty stamps. That's exactly why they're worth a lower premium.
The Business
Case
A business that only wins when your pet stays well.
PawGentic insures dogs and cats. We're built as a non-captive MGA — we design the product, own the customer relationship, and own the data, while a licensed carrier provides the regulatory backing and reserves. It's the same path Lemonade, Root, and Hippo took before becoming full carriers themselves.
Are you an investor or advisor interested in our actuarial models and unit economics? Let's connect: contact@pawgentic.com.
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Lower Loss Ratio
Verified prevention means fewer expensive emergency claims than incumbents carry — our core margin advantage.
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Referral Revenue, Day One
We earn a commission on wellness products bought through our partner network — immediate revenue that doesn't depend on premiums or claims.
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Built-In Retention
A discount that grows the more an owner engages keeps policyholders — and their wellness habits — with us for the long run.
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A Dataset That Compounds
We're the only company that sees the care owners invest in, how their pets respond, and what actually happens — an asset that deepens with every policy added.
Roadmap
From a discount today to a new way to price insurance.
We launch with a model regulators already understand, then use the evidence we gather to make good ownership a primary part of how policies are priced.
01 • Launch the Wellness Discount
File a wellness-discount product with our first carrier partner — up to 20% off for verified healthy behavior. As familiar to regulators as a safe-driver discount.
02 • Build the Evidence
Accumulate claims, purchase, and care data that statistically links specific owner habits to real health and cost outcomes.
03 • Behavior-First Pricing
Evolve toward making verified care a primary, regulator-approved rating factor — a pricing model no incumbent can match without our data.
The dogs who started it all — on the daily walks where PawGentic began.
Our Story
The Spark Behind PawGentic.
We are close friends and student founders pursuing tracks across UC Irvine, the University of Washington, and Cornell. But this idea didn't start in a computer lab—it started on our daily dog walks.
We watched firsthand as Arnav's dog, Tobii, began experiencing terrifying discomfort—unprompted choking and visible difficulty catching his breath from a heart condition that was caught far too late, after it had quietly progressed for months.
PawGentic began with one dog, but the model is the same for every pet — which is why we cover dogs and cats alike. We realized our companion animals deserve insurance that finally rewards owners for the everyday care that keeps a crisis from happening at all.
Arnav Pande
CEO & Co-founder · UW
Building the models that turn verified wellness purchases and preventive care into fairer, lower prices.
Alex Bakalov
CTO & Co-founder · UC Irvine
Building the partner network and the platform that verifies every purchase and turns it into savings.
Arrth Mittal
CSO & Co-founder · Cornell
Shaping the insurance product and the carrier and partner relationships that bring PawGentic to market.
Connect With Us
Help us refine our model
We are currently seeking honest feedback from venture capitalists, actuaries, and insurance operators on our proactive InsurTech model.