This work deals with animal insurance, both livestock insurance and pet insurance. It is important to describe risks and emphasize role of insurance as one of the best ways to eliminate the high cost of animal breeding. Therefore, the work outlines the importance of insurance, current situation and expected future developments, as well as a very important support from the state and other institutions. All kind of private animal insurance, that are offered on our insurance market at present, are characterized in this work. It is the cost of veterinary fees insurance, death and euthanasia insurance, third party liability and pet travel insurance. The work analyzes the current situation and offer insurers on the Czech insurance market. Part of this work is dedicated to comparison of products and overall evaluation. On the basis of gained calculations and other information this work contains an illustrative examples, which brings view of situation on the market and comprehensive products comparison of insurance companies.

The longstanding companionship between humans and pets, particularly cats and dogs, has evolved to the point where they are considered integral members of the family. However, despite their elevated status in our lives, the legal classi- fication of pets as objects remains prevalent in insurance law. There is a certain dichotomy between the objectification of pets and the strong animal protection system we have in Sweden, which places a particularly high value on animal welfare. Swedish law regulates animal cruelty, emphasizing both prevention and punishment. Furthermore, the Swedish Supreme Court recognizes the justifica- tion of receiving compensation exceeding an animal's economic value for its care, distinguishing pets from mere material possessions.  In Sweden, we have a high rate of insured pets, and pet insurance policies differ significantly from other types of insurance. This divergence presents challenges for consumers in comprehending the coverage provided. With the insurance comes both terms and conditions that tell you what is and isn’t cov- ered by the insurance. The insurance has certain limitations, and for the set price you get just a certain amount of coverage. In recent years, rising veterinary costs have contributed to increased pet insurance premiums, leaving consumers with questions about pricing structures. The complexity of pricing extends to veterinary clinics offering advanced care and insurance companies responsible for covering these expenses. However, the absence of legal price limitations hampers transparency and hinders consumer understanding. Customers strug- gle to ascertain veterinary costs in advance and often question the reasons be- hind specific pet insurance prices, necessitating clearer communication from insurance providers regarding coverage and significant limitations.  This study delves into the associated problems and proposes potential solu- tions. Despite improvements in clarity over the past decade, challenges persist regarding pricing and the correlation between price and coverage. The study reveals weaknesses in consumer protection within the realm of pet insurance, even though consumers typically warrant protection as contracting parties. Non-functioning contractual obligations hinder free competition in the market, despite its foundational principles in the insurance sector. According to a report by the Swedish Competition Agency, addressing the limited opportunities for consumers to switch insurance providers, given the exclusion of pre-existing conditions, would alleviate some issues. The resulting market inefficiency arises from the fact that switching companies leads to reduced coverage compared to staying with the same provider. Despite its foundational principles in the insur- ance sector, addressing the limited opportunities for consumers to switch insurance providers, given the exclusion of pre-existing conditions, would alleviate some issues, as highlighted in a report by the Swedish Competition Agency. The resulting market inefficiency arises from the fact that switching companies leads to reduced coverage compared to staying with the same provider.  Additionally, the paper explores the intricate nature of pet insurance, with its numerous distinctive features, emphasizing the need for changes in the best interests of consumers. Certain insurance companies have already begun em- bracing digitalisation, offering free veterinary consultations to alleviate the bur- den on physical animal care. However, further initiatives and legislative amendments are likely necessary to address the challenges comprehensively.

El presente trabajo de investigación académica busca evaluar la implementación de un modelo de negocio enfocado en brindar un servicio de seguro para mascotas en Lima Metropolitana. Nuestro proyecto, llamado Safe Pets, nace de la necesidad de tener un servicio que garantice el cuidado completo de las mascotas y la protección que necesitan. Asimismo, en el proceso de creación de nuestro modelo de negocio se realizaron entrevistas a expertos con el fin de validar nuestra propuesta; además, se tomó en cuenta también las opiniones de nuestro segmento objetivo.  Finalmente, en base a la investigación realizada se pudo confirmar que Safe Pets es un modelo de negocio viable y rentable. / This academic research work seeks to evaluate the implementation of a business model focused on providing an insurance service for pets in Lima. Our project, called Safe Pets, was born from the need to have a service that guarantees the complete care of pets and the protection they need. Likewise, in the process of creating our business model, interviews with experts were conducted in order to validate our proposal; Furthermore, the opinions of our target segment were also taken into account.  Finally, based on the research carried out, it was confirmed that Safe Pets is a viable and profitable business model. / Trabajo de investigación

Este trabajo de investigación nace por el amor a nuestras mascotas, el querer darles una mejor calidad de vida y la necesidad que tenemos los dueños de mascotas de tener una atención inmediata y de calidad para nuestros amigos peludos cuando pase alguna emergencia. De esa necesidad es que nace el seguro para mascotas SAFE PET, que ofrece un paquete estándar que incluyan varios beneficios y coberturas para las mascotas afiliadas. La principal fuente de ingreso de SAFE PET será la venta de nuestras pólizas, nuestra inversión inicial será de s/ 124,890 que la financiaremos el 60% los 4 socios de la empresa y 40% con un préstamo a una entidad financiera. Por las investigaciones que realizamos mediante encuestas a dueños de mascotas, estos en su mayoría nos manifestaba el querer tener un seguro para su mascota, y luego gracias nuestra landing page pudimos observar que del 100% de visitas a nuestra landing el 54.6% dejó sus datos porque le interesa nuestro seguro, este porcentaje es mucho mayor al que esperábamos y eso nos alienta mucho más a ser uno de los primero en el país en dedicarnos exclusivamente en seguro integral de mascotas. Finalmente, luego del estudio financiero realizado a nuestra empresa hemos considerado en el análisis de sensibilidad COK (89.71%) y un costo promedio ponderado de capital de WACC (74.53%), para terminar después de todo nuestro plan financiero podemos concluir que SAFE PET, es una empresa viable económicamente. / This research was born for our love to pets and we want to give them a better life quality and the need that pet owners to have immediate and quality care for our furry friends when an emergency happens. From that need is born SAFE PET, that is a pet insurance, which offers a standard package that includes many benefits and coverages for affiliated pets. The main source of income for SAFE PET will be the sale of our policies, our initial investment will be S/ 124,890 which will be financed by 60% the 4 partners of the company and 40% with a loan to a financial institution. Due to the research we conducted through surveys of pet owners, most of them told us that they wanted to have insurance for their pet, and then thanks to our landing page we could observe that of 100% of visits to our landing, 54.6% left their data Because you are interested in our insurance, that percentage is much higher than we expected and that encourages us much more to be one of the first in the country to dedicate ourselves exclusively to comprehensive pet insurance. Finally, after the financial study carried out on our company, we have considered in the sensitivity analysis COK (89.71%) and a weighted average cost of capital of WACC (74.53%), to finish after all our financial plan we can conclude that SAFE PET, it is an economically viable company. / Trabajo de investigación