The US pet insurance market reached $3.9B in 2025 and is projected to hit $4.2B by year-end 2026, growing at a 23.4% CAGR. Penetration remains at just 4.8% of pet-owning households — compared to 25%+ in the UK and Sweden — signaling significant runway. Bottom-up modeling across 14 distribution channels identifies an addressable segment of $890M among digitally native pet owners aged 25–44 who currently lack coverage. First-year serviceable obtainable market is estimated at $67M, achievable through direct-to-consumer acquisition and strategic partnerships with three major veterinary clinic networks.
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