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Barkibu

Digital pet insurance with AI-powered veterinary guidance, covering cats and dogs across Europe.

Specialty Solutions Growth Series A
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Overview

Barkibu is a digital pet insurance provider in the specialty health segment, serving consumers in Spain, France, and Germany. The platform combines veterinary health insurance for cats and dogs with an AI-powered virtual veterinary assistant and telehealth services, enabling pet owners to manage coverage and access veterinary guidance through a single digital interface.

The company distributes 100% digitally through its website and mobile apps (iOS and Android), with policyholders submitting claims and managing coverage through the app. Barkibu's AI assistant -- called Bai -- provides guidance on pet symptoms, behavior, training, and medications. Insurance is underwritten by Nordic Guarantee Forsäkringsaktiebolag of Sweden, with Barkibu acting as the distribution layer in each of its markets.

With over 100,000 pets insured as of 2025 and EUR 51.4M in annual revenue, Barkibu has scaled significantly since its Series A in 2021. The company is B Corporation certified and operates as a fully remote organization. In 2025, it received the EY Scale Up Award (third edition), recognizing its growth trajectory among Spanish technology companies.

Products & Services

Veterinary Health Insurance

Lifetime health insurance for dogs and cats covering veterinary expenses for accidents and illnesses. Policies reimburse 80% of eligible veterinary costs, with enrollment available for pets between 2 months and 11 years of age. Coverage is valid at any participating veterinary clinic across the service regions.

Key Features

  • 80% reimbursement on covered veterinary expenses
  • Multi-pet discounts (approximately EUR 25/month per additional pet)
  • Claims submitted digitally through the Barkibu mobile app
  • Valid at any Spanish veterinary clinic and partner clinics in France and Germany

Target Users: Individual pet owners in Spain, France, and Germany

Liability Coverage

Third-party liability protection for damages caused by covered pets, with limits up to EUR 200,000.

Key Features

  • Coverage for third-party bodily injury and property damage
  • Up to EUR 200,000 in liability protection
  • Bundled with core health insurance plans

Target Users: Pet owners seeking comprehensive protection beyond veterinary costs

Bai Virtual Veterinary Assistant

AI-powered assistant providing guidance on pet health, behavior, training, and medication questions. Bai is available through the Barkibu platform to complement the insurance product with immediate veterinary support between clinic visits.

Key Features

  • Symptom assessment and triage guidance
  • Behavior and training support
  • Medication information and interaction alerts
  • Accessible via mobile app

Target Users: Policyholders seeking on-demand veterinary guidance

Preventive Care Plans

Supplementary coverage for preventive care including vaccine coverage and wellness services, available as add-ons to core insurance plans.

Key Features

  • Vaccine coverage
  • Preventive wellness services
  • Bundled pricing with core insurance

Target Users: Pet owners seeking comprehensive, proactive pet health management

Barkibu Card

A digital payment card for direct payment at veterinary clinics, reducing the reimbursement-claim cycle and enabling point-of-care payment.

Key Features

  • Direct payment at point of care
  • Reduces claim filing steps for policyholders
  • Digital-first payment mechanism

Target Users: Active Barkibu policyholders

At a Glance

Founded
2015
Headquarters
Pontevedra (Gondomar), Galicia, Spain
Employees
51-200
Funding
Series A

Category & Focus

Category
Specialty Solutions
Subcategories
Pet Insurance Veterinary Telemedicine InsurTech Platform
Insurance Verticals
Specialty/E&S
Target Customers
Consumers

Customers

  • Individual pet owners across Spain, France, and Germany

Links

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Last updated: 2026-05-17