Rainwalk

Pet insurance technology platform for embedded and white-label distribution

Distribution & Sales Startup Seed

Overview

Rainwalk is a pet insurance technology platform for insurance carriers, employers, shelters, breeders, and retail partners seeking to offer pet coverage through embedded or white-label channels. Founded in 2018 by Joshua Snead and Tong Wu, the company is headquartered in Columbia, South Carolina, and targets the underinsured US pet market, where roughly 4% of an estimated 141 million pets held insurance as of 2022.

The platform delivers coverage through REST APIs and white-label configurations, allowing partners to embed pet insurance at the point of sale -- during adoption, purchase, or enrollment -- without building policy administration infrastructure. Underwriting is handled by Incline Casualty Company and Physicians Mutual Insurance Company. Customers access policy management, claims submission, and virtual veterinary consultations via web portal and native iOS and Android applications.

In April 2024, Rainwalk closed a USD 4M seed round led by ManchesterStory, with participation from Insurtech Gateway, Bridge Investments, Seaplane Ventures, and insurance and reinsurance executives. The company reported USD 1.5M in annual revenue with a team of approximately 14 people and has been expanding its partnerships channel into employer benefits and broker distribution.

Products & Services

Embedded Pet Insurance API

A REST API integration that allows partners to embed pet insurance into their existing sales or enrollment flows. Partners include shelters, breeders, pet retailers, and online marketplaces. The API supports real-time quoting, policy binding, and ongoing administration.

Key Features

Real-time quote and bind via REST API
Customizable user experience and co-branding options
Rainwalk handles policy administration and claims backend
48-hour response guarantee from the partnerships team

Target Users: Pet retailers, adoption organizations, online marketplaces

White-Label Pet Insurance Platform

A full white-label solution where partners present pet insurance under their own brand. Rainwalk manages policy administration, underwriting coordination, and customer service behind the scenes.

Key Features

Full brand control with partner-provided branding
End-to-end policy lifecycle management by Rainwalk
Claims reimbursement via Venmo or ACH direct deposit
Integration with broker and independent agent distribution

Target Users: Carriers, employers, brokers seeking branded pet offerings

Direct-to-Consumer Pet Insurance

Accident and illness pet insurance sold directly through rainwalkpetinsurance.com, covering diagnostics, surgeries, hereditary and congenital conditions, chronic conditions, routine care (up to USD 100 for vaccinations), prescription medications, and end-of-life expenses.

Key Features

Annual deductible model with broad coverage scope
Virtual vet consultations included at no extra cost via mobile app
Claims reimbursement within days via Venmo or ACH
Coverage for microchipping and prescription medications

Target Users: Individual pet owners

Employer Benefits Program

A pet insurance benefit offering for employees, positioned alongside traditional voluntary benefits. Partners include regional government employers such as Henrico County.

Key Features

Group enrollment support
Payroll-deductible premium options
Mobile app access for enrolled employees

Target Users: Employers, HR benefits administrators

Mobile Application (iOS and Android)

Native mobile apps providing policyholders with self-service capabilities, virtual vet access, and claims management.

Key Features

Policy management and renewal
Claims submission and real-time status tracking
Virtual licensed veterinarian consultations
Customer service messaging

Target Users: Policyholders on Rainwalk-administered policies

At a Glance

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

Category & Focus

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