ペット保険市場：補償範囲、保険会社、ペットタイプ、地域別、2026～2032年

ペット保険市場評価、2026～2032年

ペットの健康とウェルネスに対する意識が高まっています。ペットの飼い主はペットを家族のように扱うようになり、予防医療や高度な獣医療に投資するようになり、ペット保険の需要を押し上げています。特に手術や治療にかかる獣医師の出費が増加しているため、ペットの飼い主は経済的リスクを軽減するために保険を求めるようになり、2024年には75億米ドルを超え、2032年には220億2,000万米ドルに達します。

さらに、デジタルプラットフォームやインシュアテックソリューションの普及により、保険契約のショッピングや保険金請求管理が簡素化され、ペットの飼い主にとって保険がより身近で魅力的なものとなっています。特にパンデミック後のペット飼育の増加や、新興国におけるペット保険オプションの拡大は、すべて市場の上昇傾向に寄与しており、2026年から2032年までのCAGRは約15.90%で成長すると予想されます。

ペット保険市場定義／概要

ペット保険は、事故や病気、時には定期的なケアなど、ペットのヘルスケアに関連する獣医師の費用を飼い主に補償する一種の保険です。人間の医療保険と同様の役割を果たし、ペットの飼い主は不測の医療費をカバーすることができます。ペット保険は、緊急治療、手術、診断検査、投薬など、幅広い獣医学的治療をカバーするために頻繁に使用されます。また、定期検診、予防接種、予防治療を含むウェルネス・プランもあります。ペットの飼い主は、プロバイダーによって、猫や犬、その他のペットの保険に入ることができます。ペット保険業界の将来は明るいと思われ、ペットの飼育数の増加、ペットの健康に対する意識の高まり、獣医療費の高騰により、大きな成長が見込まれています。犬の遠隔医療やAIを活用したオーダーメイドプランなどの技術革新により、顧客の関与が向上し、保険金請求プロセスがスピードアップすると予想されます。さらに、ペット保険商品の新興地域への普及が、さらなる成長の見通しを生み出しています。

予防的・先進的な獣医療の増加はペット保険市場を牽引するか？

予防医療や高度な獣医療を重視する傾向が強まっており、ペット保険市場に大きな影響を与えると予想されます。ペットの飼い主は、ペットの健康を維持するために、頻繁な健康診断、ワクチン接種、早期介入の重要性を認識するようになっており、その結果、医療費が増加しています。Verified Marketの調査によると、世界の動物医療市場は2032年までに234億3,000万米ドルに達すると予想されており、この拡大には予防医療サービスが重要な役割を果たしています。その結果、ペット保険会社は、より広範な予防医療の選択肢を含めるために補償範囲を拡大しています。2023年11月、Nationwide Pet Insuranceは、ペットの飼い主の間でこうしたサービスに対する需要が高まっていることを受け、歯のクリーニングや健康診断などの予防処置を含む新しいプランのデビューを発表しました。

2023年8月、欧州委員会は、ペットの飼い主に予防医療を受けることを奨励する新たなガイドラインを発表し、長期的な医療費の削減におけるその重要性を強調しました。このプロジェクトは、ペットの飼い主により積極的なヘルスケア対策を奨励することを目的としています。知識が深まり、政府の法律も後押ししていることから、高度な獣医師の治療や予防療法にかかる費用に対する経済的な保護を飼い主が求めるようになり、ペット保険の需要は急増すると予想されます。

ペット保険の認知度や仕組みの不足はペット保険市場の成長を妨げるか？

ペット保険に対する飼い主の認識・理解不足が市場拡大の大きな障害となっています。多くのペットオーナーは、多くの補償オプション、特典、保険金請求手続きなど、ペット保険の仕組みがまだ不明瞭です。このような認識不足は、保険の重要性や手頃な価格についての誤解を招き、潜在的な顧客は保険を完全に避けざるを得なくなります。北米ペット健康保険協会（NAPHIA）が行った世論調査によると、米国でペット保険に加入している飼い主は約2％で、認識と教育に大きなギャップがあることがわかる。

さらに、保険商品が複雑であるため、潜在的な購入者が十分な情報を得た上で決断することが困難な場合もあります。ペット保険は、補償内容、免責事項、価格が大きく異なるため、購入者が選択肢を効率的に比較することが難しいです。多くの企業経営者は、関連する語彙や具体的な内容に圧倒され、誤解を招き、保険加入をためらうかもしれないです。保険会社による教育の徹底と明確なコミュニケーションが最も重要です。有益なマーケティングキャンペーンや獣医師との提携による保険のメリットの説明など、認知度を高める取り組みは、知識のギャップを埋めるのに役立ちます。ペット保険市場の潜在成長力を引き出すには、こうした問題に対処することが鍵となります。消費者の知識を高めることは、普及率の向上と市場の活性化につながります。

目次

第1章 イントロダクション

• 市場の定義
• 市場セグメンテーション
• 調査手法

第2章 エグゼクティブサマリー

• 主な調査結果
• 市場概要
• 市場ハイライト

第3章 市場概要

• 市場規模と成長の可能性
• 市場動向
• 市場促進要因
• 市場抑制要因
• 市場機会
• ポーターのファイブフォース分析

第4章 ペット保険市場：補償範囲別

• 病気
• 傷害のみ
• 事故と病気

第5章 ペット保険市場：保険会社別

• 公的
• 民間

第6章 ペット保険市場：ペットタイプ別

• 猫
• 犬

第7章 地域別分析

• 北米
• 米国
• カナダ
• メキシコ
• 欧州
• 英国
• ドイツ
• フランス
• イタリア
• アジア太平洋
• 中国
• 日本
• インド
• オーストラリア
• ラテンアメリカ
• ブラジル
• アルゼンチン
• チリ
• 中東・アフリカ
• 南アフリカ
• サウジアラビア
• アラブ首長国連邦

第8章 市場力学

• 市場促進要因
• 市場抑制要因
• 市場機会
• COVID-19の市場への影響

第9章 競合情勢

• 主要企業
• 市場シェア分析

第10章 企業プロファイル

• ASPCA Pet Insurance
• Figo Pet Insurance
• Pet Plan Insurance
• Trupanion, Inc.
• Progressive Casualty Insurance Company
• Embrace Pet Insurance
• Nationwide Pet Insurance
• EnviroServ Waste Management Ltd.
• Lemonade Pet Insurance
• Healthy Paws Pet Insurance
• Pets Best
• Pet First

第11章 市場の展望と機会

• 新興技術
• 今後の市場動向
• 投資機会

第12章 付録

• 略語リスト
• 出典と参考文献

Pet Insurance Market Valuation - 2026-2032

There is an increased awareness of pet health and wellness. Pet owners are treating their pets more like family members, investing more in preventative and advanced veterinarian care, which is driving up demand for pet insurance. Rising veterinary expenditures, particularly for surgeries and treatments, lead pet owners to seek insurance to reduce financial risks problems is surpassing USD 7.5 Billion in 2024 and reaching USD 22.02 Billion by 2032.

Furthermore, the proliferation of digital platforms and Insurtech solutions has simplified policy shopping and claims administration, making insurance more accessible and appealing to pet owners. The increased adoption of pets, particularly post-pandemic, as well as the expansion of pet insurance options in emerging nations, are all contributing to the market's upward trend is expected to grow at a CAGR of about 15.90% from 2026 to 2032.

Pet Insurance Market: Definition/ Overview

Pet insurance is a sort of coverage that reimburses pet owners for veterinarian costs associated with their pets' healthcare, such as accidents, sickness, and sometimes routine care. It acts similarly to human health insurance, allowing pet owners to cover unforeseen medical expenses. Pet insurance is frequently used to cover a wide range of veterinary treatments, including emergency care, operations, diagnostic testing, and medications. It also offers wellness plans, which may include regular check-ups, immunizations, and preventive treatment. Pet owners can get insurance for their cats, dogs, and other pets, depending on the provider. The future of the pet insurance industry appears positive, with significant growth expected due to increased pet ownership, rising awareness of pet health, and the rising cost of veterinary care. Technological innovations, such as telemedicine for dogs and AI-powered tailored plans, are expected to improve client involvement and speed claims processes. Furthermore, the spread of pet insurance products into emerging regions creates additional prospects for growth.

Will Increasing Preventive and Advanced Veterinary Care Drive the Pet Insurance Market?

The growing emphasis on preventive and advanced veterinarian care is expected to considerably impact the pet insurance market. Pet owners are becoming more aware of the significance of frequent check-ups, vaccinations, and early intervention to keep their pets healthy, resulting in increased medical costs. According to a Verified Market research, the global veterinary care market is expected to reach USD 23.43 Billion by 2032, with preventative care services playing a significant role in this expansion. As a result, pet insurance companies are expanding their coverage to include more extensive preventative care alternatives. In November 2023, Nationwide Pet Insurance announced the debut of a new plan that includes preventive procedures, such as dental cleanings and wellness checks, in response to the increased demand for these services among pet owners.

In August 2023, the European Commission issued new guidelines encouraging pet owners to seek preventative care for their pets, emphasizing its importance in lowering long-term health expenses. This project is intended to encourage pet owners to adopt more proactive healthcare measures. With growing knowledge and supporting government laws, demand for pet insurance is expected to surge as owners seek financial protection against the expense of sophisticated veterinarian care and preventive therapies.

Will Lack of Awareness and Workings of Pet Insurance Hinder the Growth of the Pet Insurance Market?

The lack of awareness and comprehension of pet insurance among pet owners is a major impediment to market expansion. Many pet owners are still unclear with how pet insurance works, including the many coverage options, perks, and claims procedure. This lack of awareness can lead to misconceptions about the importance and affordability of insurance, forcing potential customers to avoid it completely. According to a poll performed by the North American Pet Health Insurance Association (NAPHIA), about 2% of pet owners in the United States have pet insurance, indicating a significant gap in awareness and education.

Furthermore, the complexity of insurance products might make it difficult for potential buyers to make an informed decision. Pet insurance policies can differ significantly in terms of coverage, exclusions, and prices, making it difficult for buyers to compare choices efficiently. Many business owners may be overwhelmed by the vocabulary and specifics involved, leading to misunderstanding and hesitation in purchasing a coverage. The importance of thorough education and clearer communication from insurance companies is paramount. Initiatives that raise awareness, such as informative marketing campaigns and partnership with veterinarians to explain the benefits of insurance, can help close the knowledge gap. Addressing these difficulties is key for unlocking the growth potential of the pet insurance market. Increasing consumer knowledge can lead to better adoption rates and a more robust market.

Category-Wise Acumens

Will Rising Demand for Accident and Illness Drive the Pet Insurance Market?

The increasing demand for comprehensive accident and illness coverage is accelerating the expansion of the pet insurance market. Pet owners are increasingly aware of the necessity of protecting their pets against unforeseen health issues and crises, especially as veterinary bills continue to rise. According to a survey from the North American Pet Health Insurance Association (NAPHIA), pet insurance claims have increased dramatically, owing primarily to greater costs associated with modern veterinarian services. In response to this trend, many insurance companies are expanding their offerings to include more comprehensive policies that cover both accidents and illnesses, as evidenced by recent announcements from companies such as Pets Best and Embrace Pet Insurance, which have improved their plans to provide more coverage options. The emphasis on comprehensive plans reflects a growing consumer preference for financial protection that addresses a wide range of health issues.

Furthermore, in August 2023, the American medical Association (AVMA) initiated a campaign to educate pet owners on the benefits of pet insurance, emphasizing how comprehensive coverage can help relieve the financial strain of unexpected medical bills. As awareness and accessibility develop, demand for accident and illness coverage is likely to rise, propelling the total expansion of the pet insurance industry.

The accident-only coverage sector is the fastest increasing. It appeals to cost-conscious pet owners who want to secure coverage for unexpected injuries without committing to a more expensive, all-inclusive policy. Accident-only plans have grown in popularity, particularly among first-time pet owners and those in emerging economies, due to their simplicity and low cost.

Will Increasing Usage of Private Insurers Fuel the Pet Insurance Market?

The increasing use of private insurers is expected to greatly boost its dominance in the pet insurance sector. Private organizations are often more agile, allowing them to provide a wide choice of customizable policies that meet the different demands of pet owners. This flexibility appeals to clients seeking specific coverage alternatives, such as comprehensive plans that cover both accidents and sickness. Recent data show that private insurers dominate the industry, accounting for a sizable portion due to their ability to innovate and deliver specialized services. For instance, in October 2023, Trupanion, a leading pet insurance provider, said that it will expand its coverage options to include additional preventative care services in response to consumer demand for more complete protection. These initiatives demonstrate how private insurers are Adapting to market developments and consumer preferences, resulting in total market growth.

For instance, in September 2023, the United States Department of Agriculture initiated a program to raise awareness about pet health and the importance of insurance in preserving it. This commercial emphasizes the benefits of pet insurance and urges pet owners to explore private plans as a way to ensure their pets receive proper healthcare. Such government backing not only generates a favorable climate for commercial insurers, but also helps to legitimize the concept of pet insurance among customers.

The fastest-growing segment is public providers, which are promoting pet welfare and healthcare through government initiatives in several nations. These initiatives frequently include subsidies or support for public insurance plans, making coverage more affordable for pet owners. Furthermore, as the public's awareness of pet insurance grows, more pet owners are looking into government-backed options that offer critical coverage at a reduced cost. This development indicates a rising realization of the necessity of pet healthcare and insurance in many locations, which is fueling expansion in both segments.

Country/Region-wise

Will Growing Awareness of Pet Health and Wellness in North America Drive the Pet Insurance Market?

The increasing awareness of pet health and wellness in North America is becoming a major driver of the pet insurance business. As pet owners come to see their animals as family members, they are more ready to invest in their pets' health and well-being, including obtaining insurance. The North American Pet Health Insurance Association (NAPHIA) estimates that the number of covered pets in North America will reach 4.41 million by the end of 2023, a 27.7% increase over the previous year. This tendency is backed by educational programs from both commercial and public sectors. For instance, in April 2024, the American Veterinary Medical Association (AVMA) initiated a national campaign to raise pet health awareness, including information on the benefits of pet insurance within the first three months of the campaign, the AVMA reported a 15% increase in inquiries about pet insurance from pet owners.

On the legislative front, the state of California approved legislation in September 2023 requiring pet insurance contracts to disclose coverage terms more clearly, with the goal of increasing customer comprehension and confidence in pet insurance products. These developments, combined with the overall trend of increasing pet ownership - the American Pet Products Association reported that 70% of U.S. households would own a pet in 2023, up from 67% in 2019 indicate that the North American pet insurance market is poised for continued growth, driven by increased awareness of pet health and wellness.

Will Rising Trend of Humanization in Asia Pacific Propel the Pet Insurance Market?

The growing tendency of humanization in pet ownership in the Asia Pacific area is expected to greatly boost the pet insurance market. Pet owners are increasingly viewing their pets as family members, therefore they are more likely to invest in full healthcare alternatives, including insurance. According to Statista, the pet insurance market in Asia is estimated to develop at a CAGR of 13.5% between 2023 and 2028. This development is being driven by pet owners' increasing willingness to pay on high-quality veterinarian care and wellness services, which reflects the humanization trend. For instance, in October 2023, Petplan, a renowned pet insurance company, announced its entry into the Asian market, providing bespoke insurance plans that meet the changing demands of pet owners in the region.

In September 2023, China's Ministry of Agriculture and Rural Affairs introduced new regulations aimed at improving pet welfare, including advocating pet insurance as a way to ensure pets receive sufficient medical treatment. This approach is consistent with the growing awareness of pets as vital family members, which fosters a sense of responsibility among pet owners. Such favorable regulations, together with the growing humanization of pets, are likely to greatly increase acceptance of pet insurance in the Asia Pacific region, propelling market growth in the coming years.

Competitive Landscape

The competitive landscape of the pet insurance market is shaped by the growing demand for pet healthcare coverage, leading to increased market entry from both traditional insurance providers and new, tech-driven startups. While key players dominate the market, smaller firms and new entrants are focusing on niche offerings, such as coverage for specific breeds or conditions, and leveraging digital platforms to streamline the claims process. Insurtech companies are playing a significant role by offering personalized policies and flexible plans through mobile apps and online platforms, enhancing user experience and accessibility. This has intensified competition, pushing firms to innovate and offer more comprehensive and affordable solutions.

Some of the prominent players operating in the pet insurance market include:

ASPCA Pet Insurance

Figo Pet Insurance

Pet Plan Insurance

Trupanion, Inc.

Progressive Casualty Insurance Company

Embrace Pet Insurance

Nationwide Pet Insurance

EnviroServ Waste Management Ltd.

Lemonade Pet Insurance

Healthy Paws Pet Insurance

Pets Best

Pet First

Latest Developments

In November 2023, Nationwide announced the launch of a new pet insurance plan that focuses on preventive care, including dental cleanings and routine wellness checks. This approach attempts to meet pet owners' increased desire for complete health management for their dogs. The plan's emphasis on preventative treatment coincides with a growing awareness of the benefits of early veterinarian intervention.

In September 2023, Pets Best established a cooperation with a network of veterinary clinics to provide pet owners with exceptional discounts and promotional offers when they enroll in their insurance plans. This method is intended to enhance client acquisition and emphasize the need of pet insurance at the point of service, thereby encouraging responsible pet ownership.

Pet Insurance Market, By Category

• Coverage:
• Illness
• Accident-Only
• Accident and Illness
• Provider:
• Public
• Private
• Pet Type:
• Cat
• Dog
• Region:
• North America
• Europe
• Asia-Pacific
• Latin America
• Middle East & Africa

TABLE OF CONTENTS

1. Introduction

• Market Definition
• Market Segmentation
• Research Methodology

2. Executive Summary

• Key Findings
• Market Overview
• Market Highlights

3. Market Overview

• Market Size and Growth Potential
• Market Trends
• Market Drivers
• Market Restraints
• Market Opportunities
• Porter's Five Forces Analysis

4. Pet Insurance Market, By Coverage

• Illness
• Accident Only
• Accident and Illness

5. Pet Insurance Market, By Provider

• Public
• Private

6. Pet Insurance Market, By Pet Type

• Cat
• Dog

7. Regional Analysis

• North America
• United States
• Canada
• Mexico
• Europe
• United Kingdom
• Germany
• France
• Italy
• Asia-Pacific
• China
• Japan
• India
• Australia
• Latin America
• Brazil
• Argentina
• Chile
• Middle East and Africa
• South Africa
• Saudi Arabia
• UAE

8. Market Dynamics

• Market Drivers
• Market Restraints
• Market Opportunities
• Impact of COVID-19 on the Market

9. Competitive Landscape

• Key Players
• Market Share Analysis

10. Company Profiles

• ASPCA Pet Insurance
• Figo Pet Insurance
• Pet Plan Insurance
• Trupanion, Inc.
• Progressive Casualty Insurance Company
• Embrace Pet Insurance
• Nationwide Pet Insurance
• EnviroServ Waste Management Ltd.
• Lemonade Pet Insurance
• Healthy Paws Pet Insurance
• Pets Best
• Pet First

11. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

12. Appendix

• List of Abbreviations
• Sources and References