Rainwalk Technology

White-label pet insurance technology for embedded distribution

Specialty Solutions Growth Seed

Overview

Rainwalk Technology is a specialty solutions provider offering a white-label pet insurance technology platform for businesses embedding pet insurance into their sales workflows. The company serves animal shelters, pet breeders, employers, independent insurance agents, and retailers seeking to distribute pet insurance through existing customer touchpoints. Coverage is underwritten by Incline Casualty Company and Physicians Mutual Insurance Company, with Rainwalk managing claims administration, policyholder communications, and reimbursement operations.

The platform is delivered via REST API, allowing partners to integrate policy binding and management directly into shelter management software, employer benefits portals, and agent quoting tools. Key capabilities include single-click policy binding, full white-label branding, mobile app support, and direct-deposit or Venmo reimbursements for policyholders. A direct-to-consumer product is available in 45 U.S. states under the Rainwalk Pet Insurance brand, with an iOS and Android app for claims submission and policy management.

Founded in 2018 by Joshua Snead, Rainwalk raised a total of approximately USD 6.97 million across two seed rounds -- USD 2.97 million in August 2022 and USD 4 million in April 2024 led by ManchesterStory with participation from Insurtech Gateway, Bridge Investments, and Seaplane Ventures. The company holds a 4.7-star Trustpilot rating from 94+ consumer reviews and counts Allianz and Convex as reinsurance partners.

Products & Services

Embedded Pet Insurance Platform (B2B)

A white-label API integration enabling partner businesses to embed pet insurance purchase and policy management into their existing software and customer-facing tools. Partners include animal shelters via shelter management software integrations, pet breeders, employers, and independent insurance agents.

Key Features

Single-click policy binding via REST API
Full white-label branding with partner customization
Fast API integration timelines
Rainwalk-managed backend: claims, customer service, and reimbursements
Conversion-optimized embedded checkout flow

Target Users: Animal shelters, pet breeders, employers, insurance agents, and retailers

Rainwalk Pet Insurance (Direct-to-Consumer)

A consumer-facing pet insurance product available across 45 U.S. states. Covers accidents, illnesses, cancer, surgery, diagnostics, hospitalization, dental extractions, hereditary and congenital conditions, and up to USD 100 annual reimbursement for routine vaccinations. Customizable deductibles and reimbursement percentages (up to 90%). Multi-pet discounts available.

Key Features

Accident and illness coverage including hereditary conditions
Up to 90% reimbursement rate
Multi-pet discount pricing
Direct deposit or Venmo reimbursements
Virtual vet visits (free)

Target Users: Pet owners across 45 U.S. states

Rainwalk Mobile App

An iOS and Android application for direct-to-consumer policyholders supporting end-to-end policy management.

Key Features

Claims submission with medical record upload
Claim status tracking and policy management
Virtual vet visits
"Pet Parent Perks" exclusive discounts for pet health brands
Direct deposit and Venmo reimbursements

Target Users: Rainwalk Pet Insurance policyholders

Employer Benefits Program

Pet insurance offered as an employee benefit at no direct cost to employers. Administered by Rainwalk with standard policy terms and direct-to-employee enrollment.

Target Users: Employers and HR/benefits administrators

Agent Channel Program

Policy quoting and binding tools for independent agents and brokers. Enables agent-led distribution with tech-enabled workflows.

Target Users: Independent insurance agents and brokers

At a Glance

Founded: 2018
Headquarters: Columbia, South Carolina, USA
Employees: 11-50
Funding: Seed

Category & Focus

Category: Specialty Solutions
Subcategories: Embedded Insurance Pet Insurance Technology White-Label Distribution
Insurance Verticals: Specialty/E&S
Target Customers: Agents/Agencies, Employers, Consumers, Carriers