# SPOKK Insurance

> Digital\-native pet insurance carrier pioneering accident coverage for pets and virtual gaming avatars through AI\-powered mobile technology\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Pet Insurance |
| Type | Carrier |
| Region | NA |
| Headquarters | Hartford, Connecticut, USA |
| Founded | 2018 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | USD 120K (Seed) |

## Overview

SPOKK Insurance is a digital pet insurance carrier founded in 2018 and headquartered in Hartford, Connecticut. The company offers accident-only pet insurance through a fully mobile-first platform, targeting digital natives aged 18-25 across the United States. SPOKK uses AI and facial recognition technology to create unique digital pet profiles, enabling near-instant claims decisions and direct debit card reimbursements.

The company has been progressively expanding its regulatory approvals across U.S. states, with active operations in approximately half the states as of late 2025. SPOKK distinguishes itself by combining traditional pet accident insurance with first-to-market virtual gaming coverage -- becoming one of the first insurers to offer protection for gaming avatars, digital skins, and virtual world assets when it launched metaverse insurance products in 2022.

SPOKK received seed funding through the Polish-Ukrainian Startup Bridge and follow-on support from a consortium of early-stage investors including Seeds of Bravery, Geek Ventures, SID Venture Partners, Ukrainian Startup Fund, Village Capital, and Hype Venture.

## Products & services

### Pet Accident Insurance

Simplified accident-only coverage for pets with no deductibles, no co-pays, and fixed payment amounts. Fully digital purchase and claims experience via mobile device, with immediate coverage activation.

**Key features:**

- Accident\-only coverage \(no illness or wellness component\)
- No deductibles and no co\-pays
- Maximum payout up to USD 25,000 per claim
- Instant online claim filing
- Near\-instant claim decisions via AI processing
- Direct reimbursement to debit card
- AI and facial recognition for pet identification and anti\-fraud verification

*Target users:* Individual pet owners, digital natives aged 18\-25

### Virtual Avatar Insurance

First-to-market insurance coverage for gaming avatars and virtual world identities, enabling gamers to protect digital assets that exist only within virtual environments.

**Key features:**

- Coverage for gaming avatar identities
- Protection for digital skins and in\-game asset enhancements
- Coverage for virtual world characters and items
- Designed for online gaming and metaverse platform participants

*Target users:* Online gamers, metaverse participants, digital asset owners

## Category & focus

- Insurance verticals: Specialty, Personal Lines
- Target customers: Individuals, Digital Natives, Pet Owners

## Notable customers

- Individual pet owners seeking simple, affordable accident coverage
- Digital natives \(18\-25 age group\) preferring mobile\-first insurance experiences
- Online gamers and metaverse participants seeking virtual asset protection

## Links

- Website: <https://spokk.com>
- Directory profile: <https://insurtechlist.com/companies/spokk-insurance/>
- \*\*website\*\*: <https://spokk.com>
- \*\*linkedin\*\*: <https://www.linkedin.com/company/spokk-insurance>
- \*\*crunchbase\*\*: <https://www.crunchbase.com/organization/spokk-2044>

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*Last updated: 2026\-05\-18*