Over the past five years, the sale of pet insurance has been growing at an average of 22.1% per year. With 184 million pets in American homes and only 1.6% of them have insurance coverage (Source), it is a market with solid growth potential.
In general, a commission can be earned by promoting pet insurance through affiliate programs by referring traffic for a quote or an application. The commission can range from $1.6-$25 per lead or up to $152 per sale. This means a commission can be earned even without having people actually buying the insurance.
In this article, I will give you a list of 8 pet insurance affiliate programs that you can join to earn commission by promoting their products online.
And for each program, I will highlight its unique selling points and the commission payout for your consideration. Towards the end, I will also share tips and resources on how to promote pet insurance online.
Also read:
Can You Sell Pet Insurance Online, From Home or Part-Time? (Earnings Included)
Best Health Insurance Affiliate Programs: How Much Can You Earn?
Best Life Insurance Affiliate Programs: How Much Can You Earn?
Why promoting pet insurance online?
Ok, first thing first. Americans just love their pets.
Over 80% treat their pet as their family members. But in fact, an unplanned visit to the veterinarian for your dog or cat can cost anywhere from $800 to $1,500 on average. (source)
Enter pet insurance.
It can help families to reimburse up to 90% of their vet bills with premiums as low as $15 per month.
If you also love pets and think it’s a great idea to help people save money as well as getting their pets to stay in good health, you are in the right place.
Here are 3 reasons to promote pet insurance online through affiliate programs:
1. It’s easy to set up
The entry barrier to sell insurance online is way lower than setting up an insurance company online. It works just like any other affiliate marketing program by referring people to the merchant’s website. (e.g. Amazon Associate)
All you need to do is to sign up for affiliate programs where they track the people you send to their website. It is free and easy to set up. They pay you either for a submitted quote or a completed application.
2. You can earn multiple times from one person
Some carriers will pay you a commission solely for a quotation. This could be very easy as the price is for sure the first thing people would like to check.
And chances are they would get quotes for more than one product from more than one insurance company. So you may earn multiple commissions from just one single person you send over to different carriers.
3. Anyone can do it
You don’t even have to be an insurance agent or broker to send traffic to an insurance website. Anyone who is willing to create good content that helps your audience choose the best product can do just as well.
And, of course, if you are a pet owner with user experience in buying and filing a claim, people will find your recommendations more convincing.
Top pet insurance affiliate programs
Here’s a list of eight pet insurance or related affiliate programs you can join.
While most of them are insurance carriers, there are price comparison websites and cost-sharing services in the list as well. I put them in descending order according to the amount of potential commission payout:
|
Providers |
Commission per lead |
Commission per sale |
Cookies (days) |
|
– |
$100 |
90 |
|
|
– |
$80 |
60 |
|
|
$1.6** |
– |
60 |
|
|
$35 (does not accept new affiliate)** |
– |
60 |
|
|
– |
up to $24** |
45 |
|
|
|
$152** |
30 |
|
|
$25 |
– |
30 |
|
|
– |
6.4%** |
30 |
PetInsurer
Commission: $100 per sale
Cookie duration: 90 days
PetInsurer is a price comparison website for pet insurance. All you have to do is to enter your ZIP code and some details about your pet, and they will show you the most competitive insurance quotes based on your location.
It’s a time-saver for anyone shopping for the best price. They are partnering with carriers like Nationwide, Embrace, Petplan, Lemonade, Trupanion, Healthy Paw, PetBest, Ensoh and more.
Why you should promote it:
- Super high commission – $100 per sale
- A time-saver for people to compare plans
- Dozens of carriers available on the platform
URL: Sign up for PetInsurer Affiliate Program on their website.
Eusoh
Commission: $80 per sale
Cookie duration: 60 days
Eusoh does not operate as an ordinary insurance company. It is a community-based subscription service that reimburses pet owners for their pet’s medical, wellness, illness and routine care expenses.
Why you should promote it: Price transparency. Not network. And better coverage including routine veterinary visits at no additional cost.
URL: Sign up for Eusoh Affiliate Program from CJ.com.
Embrace Pet Insurance
Commission: $1.6** per lead
Cookie duration: 60 days
Embrace offers personalized and affordable pet insurance for dogs & cats with up to 90% reimbursement at any vet. Their plans allow customization, with five different limits, five deductibles, and three reimbursement amounts. An accident-only plan is also available.
Why you should promote it:
- Includes a free medical history review after you sign up. Embrace will review your pet’s veterinary records and notify you of potential pre-existing conditions that won’t be covered.
- Offer coverage for take-home medications
- Embrace will reduce your annual deductible by $50 for every year that you go without a claim.
URL: Sign up for Embrace Pet Insurance Affiliate Program from Flexoffer.com.
Healthy Paws
Commission: $35 per lead (does not accept new affiliate)**
Cookie duration: 60 days
Healthy Paws is another carrier offering pet insurance plans with no limits on the claim amount. Their plan also covers hereditary as well as congenital conditions.
One thing I like about Health Paw is that they are involved in various charitable efforts. For every completed sale received from their online referral form, they will donate $25 on behalf of the referer to help homeless pets. This has benefited hundreds of shelters and rescues across the United States.
Why you should promote it:
- No annual limit coverage
- Supporter of animal charity
- Automatically compares rates with competitors with their online quote
URL: Sign up for Healthy Paws Affiliate Program on their website. (Currently, they only accept applicants with a US address and an EIN)
PetAssure
Commission: Up to $24** per sale
- Single Dog: $12**
- Single Cat: $8**
- Family: $16**
- Unlimited PA: $24**
Cookie duration: 45 days
Pet Assure is not literally an insurance provider. Its plan offers an across-the-board 25% discount on all vet bills at participating veterinarians. It can be used alone or in addition to your insurance.
Why you should promote it:
- Pre-existing conditions are covered
- Can be used with insurance
- No waiting period or exclusions
- Pets are covered no matter their age, health or breed
URL: Sign up for PetAssure Affiliate Program from Flexoffers.com.
PetPlan
Commission: $152** per sale
Cookie duration: 30 days
PetPlan is the world’s largest pet insurance provider. PetPlan is was also named by The American Animal Hospital Association as their preferred insurer.
The company does not have breed or age restrictions and offers a “Covered for Life” guarantee for any condition that was not pre-existing to the policy.
PetPlan is a high-end choice for your beloved pets. Its coverage even includes holistic treatments such as hydrotherapy, acupuncture, homeopathy, chiropractic care, and laser therapy performed by licensed veterinarians.
Why you should promote it:
- Risk-free cancellation for up to 30 days
- Covers dogs or cats of all ages and breed
- Offers a “Covered for Life” guarantee for non pre-existing conditions
- Covers dental injuries and diseases for all teeth
- Healthy pet credit: For each 12-month period between renewal offers that your pet goes without a claim, Petplan will apply a 15% Healthy Pet Credit to your policy premium, up to a 30% maximum total credit.
URL: Sign up for PetPlan Affiliate Program on their website or from FlexOffers.com.
Trupanion
Commission: $25 per lead
Cookie duration: 30 days
Trupanion is another high-end and comprehensive pet insurance provider. Their plans do not have the cap of annual limit and cover 90% of actual veterinary costs for eligible claims once the deductible is met.
On top of that, recovery and complementary care riders are available at an additional cost. It will fully support your pet with complementary, non-clinical procedures such as, acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, and rehabilitative therapy.
Why you should promote it:
- No annual limit
- All plan reimburse 90% of all covered treatement
- $0 deductable plans available
- Heriditary conditions and congenital conditions are covered
URL: Sign up for Trupanion Affiliate Program on their website.
PetFirst
Commission: 6.4%** per sale
Cookie duration: 30 days
PetFirst is a carrier that provides simple and straightforward, accessible and affordable pet insurance for budget pet owners. You can also customize your deductible and reimbursement rates so they work best for your pet’s needs and your budget.
Dog insurance starts from $15 per month and cat insurance $9. It’s a jam for any price-sensitive customer.
Why you should promote it:
- Premium is generally affordable.
- Accident benefits begin the day after you purchase your policy.
- Claims can be processed within 10 days.
URL: Sign up for PetFirst Affiliate Program from FlexOffers.com.
 |
|
|
|
Share A Sale is a popular affiliate network with some high-paying advertisers in the insurance niche including Newplanoptions.com ($80 per sale) and Sproutt ($60 per sale). Click here to join as a publisher. |
Who should promote pet insurance online?
Alright, now that you’ve got a good idea of how much you can earn promoting pet insurance online. But is it really for you? Let’s see who will get this right:
Pet owners or anyone who loves pets: Obvious enough, if you spend a lot of time with pets, you will have no shortage of topics to talk about their habits, health and life. You may share your first-hand experience in buying pet insurance or even filing claims.
Anyone already in the pet niche: If you are already in the pet niche, such as pet food, pet toys, pet training, or pet spa, your followers will need pet insurance. And why not leverage this relationship you already have and create a new stream of income with pet insurance?
Anyone in the personal finance or money-saving niche: At the end of the day, pet insurance is an investment to save future expenses on vet bills. As figures showed only 1.6% of pets are insured, promoting pet insurance could be your next big growth engine as long as you can teach people how to save more money with it.
Insurance agents/brokers or marketers: Whether your expertise is in pet insurance or not, your knowledge and background in the insurance industry will better differentiate yourself. It will be a no-brainer for you to explain the fine prints and jargons to help your prospects to make better decisions when choosing the right pet insurance coverage.
How to promote pet insurance online?
With so many choices out there, it might not be easy for people to choose the most suitable cover for their pets. The low penetration also reflects that pet owners are not well aware of how they and their pets can benefit from pet insurance.
By producing useful and helpful content, you can serve to fill this knowledge gap in the following ways:
Blogging: A blog should be the core of your marketing strategy. You can start a pet-related blog to provide helpful information for pet owners alike. And then you can use other channels like Facebook, YouTube or Pinterest to drive traffic back to your website.
How to find pet insurance topics to write on? Check out our posts on:
Beware that the pet niche is one of the most crowded places on the internet. So you might want to be specific to get decent traffic. Instead of creating a blog for all pets, you might want to niche down further to focus on a specific breed (e.g. Golden Retriever), or focus on senior dogs.
Facebook group: It’s free and it’s easy to set up. You can start a Facebook group to gather people with the same interests in pets. Engage your members by offering tips on how to choose the right pet insurance coverage or share anything that’s related to pet and pet insurance.
YouTube Channel: Video content can be a stand-alone channel or done in conjunction with your blog or Facebook group. You can make video reviews on getting quotations or filing quotations online.
Pinterest: In general, pet owners are more likely to be female than male. And as you might already know that over 70% of users of Pinterest are also women. So it makes every sense to promote pet insurance on Pinterest by creating boards with pictures of lovely pets that draw eyeballs for re-pin.
Answering questions: You can go to online forums like Quora or even other pet-related Facebook groups to answer people’s questions related to pet’s health. And eventually, you can point people to your blog posts or videos which offer answers or useful information.
Further questions
Is pet insurance just for dogs and cats?
Most pet insurance plans only cover dogs and cats. Nationwide is by far the only carrier that provides coverage for exotic animals like snakes or birds.
Do I need a license to promote pet insurance online?
In general, insurance agents must be licensed by the state in which they plan to sell insurance services.
But if you are only promoting pet insurance through affiliate marketing programs – by sending traffic to a carrier’s website – there’s no such requirement. The bottom line is that you should provide legit and accurate information to your audience.
Conclusion
While the debate on whether pet insurance is worth the money still goes on and on, there are options like community cost-sharing services and price comparison websites for customers to choose from.
At the end of the day, it’s a matter of choosing the right coverage with the best price. This is where you can add value and provide help when promoting pet insurance.
Geometric vector created by pch.vector – www.freepik.com
**Updated in September 2021
