Growth market

We are a nation of animal lovers. This is just as well, since the bills for looking after our domestic pets can be breathtakingly expensive. Pet insurers have embraced the opportunity which has resulted in a growing number of pet owners purchasing pet insurance. Insurers are not the only organisations responding, with pet-related specialist retailers and service providers a common feature in our communities. From custom collars to grooming salons to pet nutritionists, they are capturing a growing appetite for supporting the health of our furry friends.

Complexity challenge

Pet insurance policies are often riddled with jargon-laden terms, conditions, exclusions, caps and limits. There are multiple options for different levels of cover. Add to this surcharges for problem breeds and pre-existing health conditions. People have many choices about how to structure insurance, so the best policy is rarely obvious.


There is an opportunity to build a complemetary, self-insurance proposition for pets that:

  • supports protection for the non-insured elements of pet care which focuses on condition management.
  • integrates with a rewards program to encourage preventative pet health.
  • is digital first and never analogue.
  • is simple/low complexity.
  • has a sustainable revenue model.

Client interface

The Pluto Platform offers a responsive mobile web app under your brand. Alternatively, you can use our api's to integrate Pluto functions into your existing mobile app.

Module comparison

Pluto ModuleCost RangeAge SegmentsProcedure TypesTime Horizon
Lay-buy Vet€1000 - €500018 to 70Non-urgent, specific6 months
Pet Stash€20 - €500018 to 70All procedures, non-specific36 months +
VetPayLater€100 - €100018 to 35All procedures, non-specificImmediate


Enabling tech

VSPRY adopts Google's BeyondCorp zero trust enterprise security model which allows for single sign-on, access control policies, access proxy, and user- and device-based authentication and authorisation. The VSPRY tech stack has 5 inter-connected components:

  • Core orchestrates all internal and external API calls, and manages access and security, and manages all software business logic.
  • Financial multi-currency financial ledgers offering atomicity and concurrency, with virtually unlimited scale.
  • Business product, process, business and customer management platform.
  • Application layer uses a single codebase to deploy a natively compiled, multi-platform user interface.
  • Warehouse offers a fully-managed, serverless data warehouse that enables scalable analysis over petabytes of data.


Our USP is that we make healthcare more accessible and affordable, by integrating healthcare funding solutions, healthcare record management, and healthcare marketplace technology, on a SaaS basis. For licensees of our technology, we remove the capital cost and project risk of building a similar solution internally which for many enterprises is outside of their area of expertise. We bring new sources of revenue, and deliver new customer experiences on a pay-per-user basis, enabling true retail healthcare.

Get in touch

Contact us via VSPRY CHAT or telephone us at our Australian office on +61 7 3184 4111, our United Kingdom office on +44 131 381 3939, or our Singapore office on +65 3129 3939, or schedule a meeting at


© VSPRY 2019-2023 with all rights reserved. VSPRY® is a registered trademark of VSPRY INTERNATIONAL LIMITED ABN 59 631 026 027, a public company limited by shares, incorporated in Australia, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Australia, we operate as VSPRY AUSTRALIA PTY LIMITED ABN 41 631 026 330, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Asia, we operate as VSPRY SG Pte Ltd UEN 202143128C, a proprietary company limited by shares, with a registered address of 68 Circular Road, #02-01, Singapore 049422.