APIC Approach

American Pet Insurance Company is an admitted New York domiciled property and causality insurance company with licenses across the United States.  We specialize in only one type of risk, pet health insurance.  Our goal is to provide the underwriting capabilities to diverse group of pet insurance providers utilizing different distribution channels so that we can help increase availability of products to pet owners across America.

APIC sources and underwrites two types of partners:

Existing program providers:We focus on program partners who have large, successful, established portfolios of pets with a specialty in a certain method of distribution.  Our expertise and approach streamlines the administration costs increasing the value to the pet owners and our partners.

Companies trying to enter the pet health insurance market: A company that can demonstrate that they have access to a specific large segment of pet owners that is not currently being serviced by our existing group of partners can leverage our expertise to launch their own product.

Although not required in all instances, we seek alignment of interests on underwriting profits by providing financial incentives to our partners in the form of either risk participation or profit sharing.

The APIC family includes;