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市場調查報告書
商品編碼
1818036
全球寵物保險和健康計畫市場:預測至 2032 年—按承保範圍、動物類型、保險期限、保費等級、銷售管道、最終用戶和地區進行分析Pet Insurance & Wellness Plans Market Forecasts to 2032 - Global Analysis By Coverage Type, Animal Type, Policy Duration, Premium Tier, Sales Channel, End User and By Geography |
根據 Stratistics MRC 的數據,全球寵物保險和健康計畫市場預計在 2025 年達到 215 億美元,到 2032 年將達到 683 億美元,預測期內的複合年成長率為 17.9%。
寵物保險承保因意外、疾病和手術導致的意外獸醫費用。承保費用通常在治療後報銷,但不包括常規護理和已有疾病。相較之下,寵物健康計劃提供預防性護理服務,例如疫苗接種、年度體檢、牙齒清潔和寄生蟲治療。這些計劃按月或按年收取固定費用,幫助寵物飼主管理常規醫療費用。它們還涵蓋緊急情況以及持續的醫療保健需求,為寵物健康護理提供全面的支援。
寵物擁有量增加
隨著寵物日益被視為家庭成員,飼主越來越重視預防性照護和應對意外醫療支出的財務保障。都市化和可支配收入的增加也推動了獸醫服務和保險支出的增加。此外,消費者對特定品種健康風險和慢性疾病的認知不斷提高,也促使他們尋求全面的保險保障。社群媒體和以寵物為中心的、強調負責任的主人意識的行銷宣傳活動的影響進一步放大了這一趨勢。
排除已有疾病
寵物保險的主要限制之一是不涵蓋已有疾病,這往往會阻礙老年寵物或患有慢性疾病的寵物投保,從而縮小了市場規模。此外,各保險供應商之間缺乏標準化的定義,導致投保人感到困惑和沮喪。缺乏透明的投保資格標準以及持續照護報銷選項有限,進一步阻礙了市場的成長。
保險模式嵌入與產品創新
保險公司正與寵物科技公司合作,提供無縫銜接的即時保障,並捆綁遠距健康諮詢和智慧項圈等服務。客製化健康計畫、人工智慧理賠處理以及訂閱式預防保健套餐等創新技術正吸引精通科技的寵物飼主。此外,數位生態系統的興起使保險公司能夠收集行為和健康數據,從而實現動態定價和個人化保障。這些進步正在重塑客戶參與並擴大市場滲透率。
獸醫診所整合
大型獸醫院集團通常會協商獨家保險合作,這限制了消費者的選擇,並降低了市場多樣性。這種整合也可能導致標準化的治療通訊協定與所有保險條款不一致,從而引發索賠糾紛。獨立診所面臨著採用昂貴技術以保持競爭力的壓力,有時甚至會威脅其財務可行性。此外,保險公司和獸醫網路之間的垂直整合可能會形成壟斷趨勢,影響服務的可近性和可負擔性。
疫情再形成了消費者行為,加速了數位化寵物照護解決方案和保險平台的普及。封鎖和保持社交距離措施導致寵物收養量激增,尤其是在隔離期間尋求陪伴的人群中。隨著新飼主尋求財務保障,這股熱潮也帶動了對健康計畫和意外險的需求成長。然而,供應鏈中斷和經濟不確定性暫時影響了保費承受能力和保單續保。整體而言,新冠疫情刺激了整個寵物保險生態系統的創新和數位轉型。
預計預測期內,事故保險保額將佔最大
預計在預測期內,意外險類別將佔據最大的市場佔有率,因為其價格實惠且結構簡單易懂。這類保險涵蓋因骨折、咬傷和中毒等不可預見的情況造成的傷害,對首次養寵物的人士頗具吸引力。此外,保險公司擴大提供可選的附加服務,例如緊急住宿和救護車服務。便捷的理賠流程和在獸醫院網路中的廣泛接受度也促使這類保險廣受歡迎。
在預測期內,終身壽險將以最高的複合年成長率成長。
受長期財務保障和慢性病管理需求不斷成長的推動,預計終身壽險細分市場將在預測期內實現最高成長率。這些保單為復發性疾病提供持續保障,並確保寵物在其一生中得到持續的照顧。預測分析和健康監測技術的進步使保險公司能夠更好地評估風險,並提供量身定做的終身壽險套餐。該細分市場還透過靈活的保費結構和忠誠度獎勵來提高保費留存率。
預計北美將在預測期內佔據最大的市場佔有率,這得益於該地區強大的法規結構和消費者對寵物保險的廣泛接受。領先的保險公司正在投資人工智慧平台、行動應用程式和綜合健康服務,以提升客戶體驗。此外,大型連鎖獸醫診所和寵物零售商的存在也促進了交叉銷售機會和捆綁保險優惠。優惠的報銷政策和日益成長的預防保健意識進一步推動了市場擴張。
受可支配收入成長、都市區寵物擁有量以及中產階級規模不斷擴大的推動,預計亞太地區將在預測期內實現最高的複合年成長率。中國、印度和韓國等國家正經歷寵物人性化的文化轉變,這推動了對結構化健康計畫的需求。行動優先保險平台和本地化健康計劃的激增,使保險更加觸手可及。此外,該地區精通科技的人群正在接受數位保險模式,加速了都市區的普及。
According to Stratistics MRC, the Global Pet Insurance & Wellness Plans Market is accounted for $21.5 billion in 2025 and is expected to reach $68.3 billion by 2032 growing at a CAGR of 17.9% during the forecast period. Pet insurance provides financial coverage for unexpected veterinary expenses arising from accidents, illnesses, or surgeries. It typically reimburses eligible costs after treatment, excluding routine care and pre-existing conditions. In contrast, pet wellness plans offer preventive care services such as vaccinations, annual checkups, dental cleanings, and parasite control. These plans operate on a fixed monthly or annual fee, helping pet owners manage routine healthcare costs. Together, they support comprehensive pet health management by addressing both emergency and ongoing wellness needs
Increase in pet ownership
As pets are increasingly viewed as family members, owners are prioritizing preventive care and financial protection against unexpected medical expenses. Urbanization and rising disposable incomes are also contributing to higher spending on veterinary services and insurance coverage. Moreover, the growing awareness of breed-specific health risks and chronic conditions is prompting consumers to seek comprehensive policies. This trend is further amplified by social media influence and pet-centric marketing campaigns that emphasize responsible ownership.
Exclusion of pre-existing conditions
One of the major limitations in pet insurance policies is the exclusion of pre-existing medical conditions, which restricts coverage for pets with prior diagnoses. This often discourages owners from enrolling older animals or those with chronic illnesses, thereby narrowing the addressable market. Additionally, lack of standardized definitions across providers creates confusion and dissatisfaction among policyholders. The absence of transparent eligibility criteria and limited reimbursement options for ongoing treatments further impedes market growth.
Embedded insurance models & product innovation
Insurers are partnering with pet tech startups to offer seamless, real-time coverage bundled with services like telehealth consultations and smart collars. Innovations such as customizable wellness plans, AI-driven claim processing and subscription-based preventive care packages are attracting tech-savvy pet owners. Furthermore, the rise of digital ecosystems enables insurers to collect behavioral and health data, allowing for dynamic pricing and personalized coverage. These advancements are reshaping customer engagement and expanding market penetration.
Consolidation of veterinary practices
Large veterinary groups often negotiate exclusive insurance partnerships, limiting consumer choice and reducing market diversity. This consolidation may also lead to standardized treatment protocols that don't align with all insurance policy terms, causing claim disputes. Independent practices face pressure to adopt costly technologies to remain competitive, which can strain their financial viability. Additionally, vertical integration between insurers and veterinary networks could create monopolistic tendencies, impacting service accessibility and affordability.
The pandemic reshaped consumer behavior, accelerating the adoption of digital pet care solutions and insurance platforms. Lockdowns and social distancing measures led to a spike in pet adoptions, especially among individuals seeking companionship during isolation. This surge translated into heightened demand for wellness plans and accident coverage, as new owners sought financial safeguards. However, supply chain disruptions and economic uncertainty temporarily affected premium affordability and policy renewals. Overall, COVID-19 catalyzed innovation and digital transformation across the pet insurance ecosystem.
The accident-only coverage segment is expected to be the largest during the forecast period
The accident-only coverage segment is expected to account for the largest market share during the forecast period due to their affordability and straightforward structure. These plans offer coverage for injuries resulting from unforeseen events such as fractures, bites, or poisoning, making them attractive to first-time pet owners. Additionally, insurers are enhancing these offerings with optional add-ons like emergency boarding and ambulance services. The simplicity of claims processing and broad acceptance across veterinary networks further contribute to their widespread adoption.
The lifetime policies segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the lifetime policies segment is predicted to witness the highest growth rate driven by increasing demand for long-term financial protection and chronic disease management. These policies provide continuous coverage for recurring conditions, ensuring pets receive consistent care throughout their lives. Technological advancements in predictive analytics and health monitoring are enabling insurers to better assess risk and offer tailored lifetime packages. The segment is also benefiting from flexible premium structures and loyalty incentives that enhance retention.
During the forecast period, the North America region is expected to hold the largest market share owing to the region boasts a robust regulatory framework and widespread acceptance of pet health coverage among consumers. Leading insurers are investing in AI-powered platforms, mobile apps, and integrated wellness services to enhance customer experience. Additionally, the presence of major veterinary chains and pet retail giants facilitates cross-selling opportunities and bundled insurance offerings. Favorable reimbursement policies and growing awareness of preventive care are further driving market expansion.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR fueled by rising disposable incomes, urban pet adoption, and expanding middle-class demographics. Countries like China, India, and South Korea are witnessing a cultural shift toward pet humanization, prompting demand for structured health plans. The proliferation of mobile-first insurance platforms and localized wellness programs is making coverage more accessible. Moreover, the region's tech-savvy population is embracing digital insurance models, accelerating adoption across urban centers.
Key players in the market
Some of the key players in Pet Insurance & Wellness Plans Market include Trupanion, Nationwide, Petplan, Pets Best Insurance Services, LLC, MetLife, Embrace Pet Insurance, ASPCA Pet Health Insurance, Spot Pet Insurance, Healthy Paws Pet Insurance, Figo Pet Insurance, Pumpkin Insurance Services Inc., Lemonade, Agria Pet Insurance, Fetch by The Dodo, Hartville Pet Insurance, PetPartners, Inc., AKC Pet Insurance, and Waggel Limited
In September 2025, MetLife introduced a Cancer Support benefit in partnership with Private Health Management. It offers personalized care navigation, access to top oncologists, and patient counseling. Available to Critical Illness insureds starting Jan 2026
In August 2025, ASPCA provided emergency aid to NYC shelters and launched the Rescue Effect campaign with Ariana Madix. It also shared preparedness tips ahead of Hurricane Katrina's 20th anniversary. These efforts reflect ASPCA's growing disaster response footprint
In August 2025, Healthy Paws partnered with PetSmart to offer accident and illness coverage directly in-store and online. Customers benefit from fast claims, no payout caps, and mobile access. The alliance boosts insurance accessibility for pet parents.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.