Rainwalk Insurance Through an Independent Agency: Coverage and States

Rainwalk coverage and states available through our agency

The table shows each Rainwalk coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a Rainwalk quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the property, vehicle or business is located.
• A licensed agent reviews whether Rainwalk is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. Kanguro, Fetch.

Who Rainwalk is

Rainwalk Technology, Inc. is the administrator of Rainwalk pet insurance. It's based at 1225 Laurel Street in Columbia, South Carolina. Its national producer number is 19561832, and its California agency number is 6005294.

Joshua Snead is Rainwalk's founder and CEO, according to Insurtech Insights. Rainwalk raised a $4 million seed round led by ManchesterStory. We couldn't confirm the date.

As an administrator, Rainwalk runs the program. An insurer underwrites the policies.

Rainwalk also licenses white-label pet insurance technology to partners.

Who underwrites Rainwalk policies

Rainwalk's site footer names two possible underwriters: "Incline Casualty Company, Inc. or Physicians Mutual Insurance Company, Inc." It doesn't say which one applies in which state. The footer gives NAIC 80578 and an Omaha, Nebraska address, which belong to Physicians Mutual.

Rainwalk's state disclosure forms dated 2024 show "Underwritten by: Physicians Mutual Insurance Co." Earlier funding coverage named only Incline Casualty. That suggests a move toward Physicians Mutual paper.

We couldn't verify the rating of either underwriter. Your policy documents will name yours.

Because the footer lists both with "or," you can't tell from the site which one is yours. Your declarations page or state disclosure form should say.

What Rainwalk offers

Rainwalk offers pet accident and illness insurance. It also licenses white-label pet insurance technology to partners. So you might buy Rainwalk-administered coverage under another company's brand.

According to the First Connect carrier directory, Rainwalk is listed in 21 states. Rainwalk's own disclosure forms for Montana, Mississippi and Louisiana suggest it sells in other states too.

The white-label model means Rainwalk's name may be in the fine print, not the headline. If you're comparing pet insurers, check the administrator and underwriter for each brand. Two brands may share the same backing.

How Rainwalk sells

Rainwalk sells three ways:

• Direct to pet owners.
• White-label partners, who offer it under their own brand.
• Independent agents, through First Connect.

If you came across pet insurance through a partner brand, the policy may still be administered by Rainwalk. Check the policy documents for Rainwalk's name and the underwriter.

We found no Rainwalk news from 2024 to 2026 beyond the move to Physicians Mutual paper shown on 2024 forms.

How pet accident and illness coverage works

Accident and illness pet insurance usually reimburses you for covered vet bills. You pay the vet, then file a claim. The policy pays back part of the cost after your deductible, up to its limits.

Policies can differ on waiting periods, pre-existing conditions and annual limits. Read them before you choose a plan.

What to check before you buy Rainwalk

• The underwriter. Is it Physicians Mutual or Incline Casualty in your state?
• Its rating. We couldn't verify it. Look it up yourself.
• Waiting periods. Know when accident and illness coverage start.
• Pre-existing conditions. Read how they're defined.
• The brand. If you bought through a partner, confirm Rainwalk administers it.
• Your state. Confirm availability where you live.
• Annual limits. Check the most the policy pays each year.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

Rainwalk FAQs

Your next step

Send a request and a licensed agent will check Rainwalk and other options available to you.