Cacttus
Pet insurance for Chilean consumers -- subscription-based coverage with digital claims and 24/7 telemedicine.
Overview
Cacttus is a pet insurance MGA distributing subscription coverage direct to consumers in Chile. Founded in 2020 by Agustin Escobar Blanc, Vicente Escobar Blanc, and Andres Espinoza Rodriguez, the company targets the personal lines pet segment through a mobile-first digital platform.
The company operates with BCI Seguros as its carrier partner. BCI Seguros provides capacity, and Cacttus holds delegated underwriting authority to quote and bind policies on that paper. Coverage is structured across three tiers with policyholder reimbursement levels ranging from 60% to 90%, and the policyholder selects the annual deductible.
As of 2026, Cacttus serves the Chilean market with approximately 9 employees. The company recorded over 700 subscribers within its first four months of operation. Claims reimbursement processes within 48 hours through the company's mobile app, and the company holds the highest customer rating (4.5 stars) among Chilean pet insurers in current market comparisons.
Products & Services
Pet Insurance Plans
Subscription-based pet health coverage with three tiers and flexible annual deductibles.
Key Features
- Mini: 60% reimbursement on eligible veterinary expenses
- Care: 70% reimbursement on eligible veterinary expenses
- Care+: 90% reimbursement on eligible veterinary expenses
- Preventive care (annual consultations, vaccinations, microchipping)
- Emergency and illness coverage (accidents, hospitalizations, surgeries, prescribed medications during emergency events)
- Pre-existing conditions excluded across all tiers
Target Users: Pet owners in Chile
Distribution: Direct to consumer via mobile app and web
Digital Services
Key Features
- Mobile app (iOS/Android) for policy management, claims submission, and status tracking
- 24/7 online veterinary telemedicine
- Photo-based digital claims with no paper required
- Benefits club with discounts at partner veterinary clinics, pet stores, and pet services