The risk data layer that underwriting has been missing.

The Problem

A 28% premium rise. A loss-ratio crisis. And no provenance data.

Pet insurance is breaking. Premiums rose 28% in 2024 and 35% of UK pet owners have cancelled or downgraded cover. The underlying problem is structural: insurers cannot accurately price risk on an individual dog because the data that would inform it — breeder verification, clinical history, parental health testing — has never been available at scale. Pricing the average means everyone pays for the worst-case animal.

The Product

Underwrite the dog you're actually insuring.

VeriCover is an API into the VeriCanis identity layer. For any UK dog with a VeriCanis ID, your underwriting models get access to verified breeder data, full clinical history, and parental health context — at the point of quote, in real time. The result is more accurate pricing, lower loss ratios, and a healthier pool of insured dogs.

• →Real-time API access to verified breeder credentials and clinical history at point of quote.
• →Parental health-test data linked through the FirstLitter graph for breed-specific risk modelling.
• →Audit trail for every data point — verified by the vet, breeder, or owner who created it.