Turning Pet Insurance into a Broker Opportunity

Pet insurance is now a mainstream purchase in Australia, with around 69% of households owning a pet. Most policies are still bought directly or via comparison sites without advice, meaning brokers are often absent for a product their clients are already actively engaging with.

Available on cora, ThePetInsuranceCompany’s (TPIC) pet insurance product can become part of the broker offering rather than a direct customer purchase.

Where clients get it wrong
Consumers typically buy pet insurance through comparison sites or directly from insurers without advice, focusing on price rather than structure or features of the policy. At claim time, issues come down to, not only on whether something is covered, but also on how the insurance policy is structured. Sub-limits, benefit percentages, excess rules, and pre-existing conditions all can create gaps between expectation and outcome.

Why advice matters
Your advice can ensure your client’s cover is structured appropriately for your clients, before a claim ever occurs. You align limits to real client needs, set excess based on affordability, and clearly explain how policy features work at the point of recommendation.

You can also help your clients to identify pre-existing conditions early, reducing avoidable claim friction later. In practice, you can move pet insurance from a transactional purchase into a structured, needs-based recommendation.

How cora & TPIC enable this

TPIC through cora, brings pet insurance into your client offering.
It gives you broker-exclusive features designed for advice-led distribution, including:

• Annual limits from $1,000 to $30,000, configurable rather than fixed tiers
• Excess from $0 to $2,500 per pet, per year (not per claim or per condition)
• No sub-limits on individual conditions, allowing full annual limit usage per ailment
• Flexibility in benefit percentage so you can align cover with client budget
• Optional extras including dental illness, behavioural cover, and supportive therapies Cover for vaccinatable diseases where up-to-date vaccination evidence is provided
• Cancel at any time, including after a claim has been paid

Through the cora platform, you can quote and issue terms in minutes, bringing pet insurance directly to your clients without added complexity.

Pet insurance is already part of your clients’ lives. The question is whether it sits outside your advice process or inside it?

TPIC through the cora platform makes it simple for you to bring it into your workflow and structure it appropriately for your clients, from the start.

Sign up today to start quoting TPIC’s products through the cora platform.

Disclaimer:

cora Insurance (cora Insurance) is a trading name of Insurance.com.au Pty Ltd ABN 27 163 909 073, which is an Authorised Representative (number 443422) of ThePetInsuranceCompany.com.au Pty Ltd (ABN 38 620 795 735, AFSL 536651), (‘ThePetInsuranceCompany.com.au’). Please refer here for our Financial Services Guide (FSG) and Privacy Policy. While cora Insurance strives to present accurate information, it makes no warranties regarding any product. By using our services, you acknowledge and accept these terms and limitations of our responsibility. You should refer to the insurer’s Product Disclosure Statement (PDS) and, where available, Target Market Determination (TMD) for details of cover and terms of acceptance.