Cross-Selling Pet Insurance: A Smart Strategy for Independent Agents

In a competitive insurance landscape, independent agents are always looking for ways to deepen client relationships, increase policy count per household, and boost retention. One often overlooked — yet incredibly effective — opportunity is pet insurance.

Why Pet Insurance Should Be Part of Your Cross-Sell Strategy

When clients are in the process of securing home or auto insurance, they’re already thinking about protection and responsibility. It’s the perfect moment to ask: “Do you have pets, and have you ever considered pet insurance?”

This simple question can:

• Uncover a new layer of needs

• Open the door to a meaningful conversation

• Demonstrate your agency’s full-service mindset

Pet Insurance by the Numbers

The pet industry continues to show impressive growth — even in uncertain times. Here are some eye-opening statistics:

• Over 66% of U.S. households (roughly 86 million) own at least one pet (APPA, 2023).

• In 2023, Americans spent over $143.6 billion on their pets — a number projected to rise year-over-year.

• The average annual veterinary expense per household is nearly $1,000.

• In times of economic downturn, pet spending remains resilient. Historically, the pet care sector has outperformed broader retail markets in recessions.

The Emotional & Financial Case

Pets are part of the family. Offering pet insurance shows that your agency understands this emotional connection and is looking out for what matters most to your clients. At the same time, you're providing protection from the unexpected — like emergency vet visits or chronic condition treatments — which can cost thousands.

Cross-selling pet insurance:

• Increases your agency’s product-per-household ratio

• Improves retention by building more touchpoints and perceived value

• Adds revenue with little additional effort

• Builds trust by being proactive, not just reactive

Best Practices for Bringing It Up

Here’s how to naturally introduce pet insurance in a conversation:

• During a home quote: “Do you have any pets at home? We’ve seen more clients asking about pet insurance lately — it’s a great way to protect your pet and avoid surprise expenses.”

• During an auto renewal: “While we're updating your auto policy, are there any changes in your household? New pets, new drivers, or anything else worth looking at?”

• Via email or follow-up: A quick message can go a long way: “Many of our clients are surprised to learn how affordable and comprehensive pet insurance can be. Let me know if you’d like to explore options.”

Access Through Pacific Crest Services

At Pacific Crest Services, we equip our members with access to top-tier carriers — including Nationwide Pet Insurance, one of the most trusted names in the industry. With custom quoting links, co-branded marketing materials, and training resources, offering pet insurance is easier than ever.

Helping clients protect what they love most — including their pets — is just one more way to stand out in today’s market.

To explore the possibilities of becoming an independent agent within an alliance and you are a licensed P&C insurance agent with 12-18 months minimum experience? if you are please visit Pacific Crest Services to setup a confidential discussion or call us now to speak to one of our team contact us at 888-938-4197.

The contents of this article are for informational purposes only. You should not act or refrain from acting based on this information without first consulting a licensed agent at info@pacificcrestinsurance.com. We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided "as is." Pacific Crest Services makes no representation that this content is error-free.