Pet Insurance Platform for US Insurance Company

Our cooperation began back in 2019. The client was looking for additional development capacity for their project. They were going to improve the existing pet insurance platform and add new underwriters.

Firstly, the team from Abto’s side consisted of 3 developers and 2 QA but nowadays, we already have 10 devs, 4 QA, and 1 AQA. Since the beginning of our cooperation, we have done a lot of improvements and modernized all platforms. We have developed loads of features and added new functionalities for new underwriters. Also, our team is taking a part in the migration to the new cloud provider.

Our customer was looking for a partner who could help them to modernize, upgrade and create a powerful system for working with new underwriters and users.

Main Goals and Challenges:

• Modernize and upgrade the ‘get a quote’ portal;
• Create a customizable quote engine for easier changing existing underwriters and simplifying adding new ones;
• Cover Quote engine by automation tests for each underwriter;
• Reduce vulnerabilities and make the system more accessible;
• Migrate a system to the Azure cloud;
• Design a system that would follow all rules and terms for each US state.

The process is pretty simple and straightforward.

• Get a quote and customize a plan that is just right for you and your pet;
• Take your pet to the vet. Visit any licensed vet, emergency clinic, or specialist in the US;
• Send your claim. Pay your pet’s bill, and send your claim along with vet records and invoice from the visit;
• Get money back quickly. Claims are processed in less than 2 weeks.

Our team designed and implemented separate portals for each step.

Get a quote

Users have two options – to use a quote portal or use a call center. For each underwriter, we have customized UI for customer needs.

All flow is ensured through 7 steps:

• Policy Holder info. In this step, you can choose Individual or Group Coverage and available underwriters for your state.
• Enrollments Codes.
• Pet Info. Provide all information about your pet (Name, species, breed, color, age, etc.). All this information is needed for quote calculation.
• Discounts. You can choose some special discounts.
• Quotes. Pick a plan for your pet. You can customize your plan that is the best for your pet.
• Review all information. Your personal data and Policy info.
• Payment. Choose payment type and fill in your billing information.

Send the claim

Users have several options for how to submit their pet insurance claims.

• The user portal contains all information about you, your pets,your previous and current policies, and some features for support and submitting claims. Also, you can download your policy packet and review all information about your coverage.
• Mobile application.
• Through support email.

Admin portal for managing and processing claims

All calculations for each plan and each underwriter are automated. Admins just need to take data from your claim and fill it in the system.

Admin portal for managing users

Admin portal for managing, supporting users, policies, transactions, creating different reports and metrics.

Console applications

Several Console applications (nightly jobs) for managing payments, automated renewal of policies, activation/canceling policies, creating weekly/monthly reports, etc.

The pet insurance system consists of several solutions like Admin Portal, User Portal, Claim Portal, Mobile App, some APIs which we use in several portals, and all nightly jobs which are deployed on Virtual Machines. So, for each solution, we created a specific CI/CD pipeline. But in general, the schema looks like this:

• Made pet insurancemore accessible and simpler for users;
• The designed solutionincreased the count of pet insurance in the US;
• Helped insurance companies with thedigitalization and monitoring of insurancesand other metrics;
• Automated calculation of claims processing;
• Improved security and flexibilityafter migration to the cloud.