No, and that is deliberate. Pet insurance premiums depend on breed, age, ZIP, deductible level, reimbursement percentage, and carrier in ways only the carrier's rating engine handles. The bot can give ranges (golden puppy accident-and-illness $35 to $75 a month in most regions) and educate on what affects pricing, then route binding quote requests to the carrier's quoting tool or your agency's quote form. Giving a binding number the carrier then revises is worse for the prospect than a clear range plus a quote handoff.

Yes. Store each carrier's waiting periods as custom fields: accident wait (typically 2-14 days), illness wait (typically 14 days), orthopedic conditions like cruciate ligament tears (often 6 or 12 months), and hip dysplasia (often 12 months for certain breeds). The bot quotes per-carrier specifics rather than industry averages. This matters because waiting period differences are a real decision factor between carriers, and getting them wrong erodes trust.

Carefully. Pre-existing condition definitions vary by carrier (some define by symptoms shown before enrollment, some by formal diagnosis, some include curable conditions that resolved more than 12 months before enrollment as covered again). The bot explains the carrier's definition and notes that final pre-existing determination is made by the carrier on claim, not by the agent or chatbot. Specific case questions route to the agent rather than getting a guess from the bot.

Yes. The bot captures species, breed (carrier rating differs for breed groups), age, ZIP (carrier rating differs by region), current health status, existing conditions, and prior coverage history. Structured intake passes to your CRM via the JS API and prefills the carrier's quoting tool so the prospect does not retype everything they just told the bot. Quote completion rates typically improve significantly when the form lands prefilled.

Yes. Accident-only covers injuries from accidents (broken bones, lacerations, ingested objects, bite wounds) but not illness (cancer, diabetes, allergies, infections). Accident-and-illness covers both. For young pets buying coverage to lock in pre-existing status, accident-and-illness is usually the right choice. For older pets entering coverage where many illnesses are already in play, accident-only sometimes makes sense. The bot explains the trade-off without pushing the more expensive option.

Most pet insurance is illness and injury only. Routine care (vaccines, dental cleanings, spay or neuter, annual exams) is typically a separate add-on with its own pricing. The bot explains which carriers offer a wellness add-on, what it covers, and whether the math works out (wellness add-ons typically pay back roughly what you put in, so they function as a budgeting tool more than insurance). Honest framing of wellness coverage value matters.

Yours. SleekAI is bring-your-own-key with OpenAI, Anthropic, Google, or OpenRouter. Pet insurance agencies typically see chat volumes from a few dozen to a few hundred conversations monthly, most of them education-heavy. GPT-4o-mini or Claude Haiku handles the explainer conversations cheaply for $5 to $20 in monthly API usage. Sleek charges no per-message markup. Use a more capable model for nuanced pre-existing condition explanations where accuracy matters most.

Yes, within scope. The bot explains claims submission (typically upload itemised invoice and medical records via the carrier's portal or app), expected turnaround (often 2 to 14 days depending on carrier), reimbursement calculation (the formula is usually: covered amount minus annual deductible balance, times reimbursement percentage), and how pre-existing determinations work at claim time. Specific case questions about a denied claim or coverage interpretation route to the human agent for review.