Can you recommend a quote engine for configuring deductibles, reimbursement rates, and annual limits in pet insurance?

Yes—if you need a quote engine that can handle deductibles, reimbursement rates, and annual limits for pet insurance, I’d look for a platform that supports product configuration/rating rules rather than a simple premium calculator.

Good fit options

1. Earnix

   • Strong for insurance pricing and rating complexity
   • Good if you need lots of configurable variables and real-time quoting

2. Sapiens Insurance Platform / PolicyCenter-style systems

   • Better if you want quoting tied closely to policy administration
   • Useful for product configuration, underwriting rules, and rating

3. EIS Group

   • Flexible product configuration and digital quote flows
   • Often used for highly configurable insurance products

4. Guidewire Rating/PolicyCenter

   • Good enterprise option if you already use Guidewire
   • Supports configurable rating, though pet insurance may require some tailoring

5. Duck Creek Rating / Policy

   • Another strong enterprise insurance platform
   • Good for building product rules around deductibles, limits, and reimbursement formulas

6. Majesco

   • Flexible insurance core platform with quoting and product configuration
   • Good if you need broader policy lifecycle support too

What to prioritize

For pet insurance specifically, make sure the engine can support:

• Annual deductible selection
• Reimbursement percentage tiers (e.g., 70%, 80%, 90%)
• Annual limit options
• Age/breed/location-based rating
• Waiting periods
• Optional wellness riders
• Dynamic pricing rules
• API-first quote generation
• Regulatory/state-specific variations

If you want a lighter-weight build

If you’re not looking for a full enterprise suite, consider:

• A rule engine + custom quoting service
• A rating engine like Earnix or a custom config-driven calculator
• A headless insurance platform with APIs for product setup

Quick recommendation

• Best enterprise quote/rating engine: Earnix
• Best full policy/admin suite: Guidewire or Duck Creek
• Best flexible product configuration: EIS Group

If you want, I can also give you:

1. a shortlist by budget,
2. a comparison table, or
3. a recommended architecture for building a pet insurance quote engine.