Insurance companies manage risk, making big profits from collecting and storing money. Instead, we crowd-share only after the costs have occurred, avoiding the costs seen in traditional insurance. The way we do things is very different, but the overall effect is a HUGE saving in costs. Unlike other policies or agreements that you have around protecting your loved ones, we are not insurance. We are just an extension of those closest to you – a gathering of your neighbors, friends, co-workers, and family that has the same mission: better, more affordable protections for our pets and peace of mind for our finances. So that, if something does happen (because it will), you are protected.