Pet Insurance Simulator 🛡️

📊 Insurance Policy Data Format

{
  "policyId": "PET-INS-2025-001234",
  "standardVersion": "WIA-PET-010-v1.0.0",
  "pet": {
    "id": "PET-2025-789456",
    "name": "Buddy",
    "species": "Dog",
    "breed": "Golden Retriever",
    "birthDate": "2020-05-15",
    "microchipId": "985112345678901",
    "healthPassportId": "WIA-PET-HEALTH-001234"
  },
  "owner": {
    "id": "OWNER-2025-456789",
    "name": "John Smith",
    "email": "john.smith@example.com",
    "phone": "+1-555-123-4567",
    "address": {
      "street": "123 Main St",
      "city": "San Francisco",
      "state": "CA",
      "zipCode": "94102",
      "country": "US"
    }
  },
  "plan": {
    "tier": "Premium",
    "coverageType": "Comprehensive",
    "annualLimit": 15000,
    "deductible": 250,
    "coInsurance": 20,
    "monthlyPremium": 89.99,
    "startDate": "2025-01-01",
    "renewalDate": "2026-01-01"
  },
  "coverage": {
    "accidents": true,
    "illnesses": true,
    "wellness": true,
    "dental": true,
    "hereditary": true,
    "chronic": true,
    "prescriptions": true,
    "emergencyCare": true,
    "specialistCare": true,
    "surgery": true,
    "hospitalization": true,
    "diagnostics": true
  },
  "exclusions": [
    "Pre-existing conditions",
    "Cosmetic procedures",
    "Breeding costs",
    "Elective procedures"
  ],
  "riskFactors": {
    "age": 4,
    "breedRisk": "Medium",
    "location": "Urban",
    "priorClaims": 2,
    "healthScore": 85
  },
  "blockchain": {
    "policyHash": "0x1234567890abcdef...",
    "timestamp": "2025-01-01T00:00:00Z",
    "network": "Ethereum",
    "smartContract": "0xabcdef1234567890..."
  }
}

🔢 Premium Calculator

Pet Species:

Pet Age (years):

Breed Risk Level:

Location:

Coverage Tier:

💰 Premium Breakdown

Enter pet details to calculate premium

Basic

$39/mo

✅ Accidents
✅ Basic Illnesses
❌ Wellness
❌ Dental
$5,000 Annual Limit

Standard

$59/mo

✅ Accidents
✅ Illnesses
✅ Wellness
✅ Dental
$10,000 Annual Limit

Premium

$89/mo

✅ All Coverage
✅ Hereditary
✅ Chronic Conditions
✅ Specialist Care
$15,000 Annual Limit

📋 Submit Claim

Policy ID:

Claim Type:

Treatment Date:

Claim Amount ($):

Veterinary Clinic:

Description:

🔍 Claim Result

Submit a claim to see processing results

📊 Recent Claims

Claim ID	Type	Amount	Date	Status
CLM-2025-001	Wellness	$180	2025-12-15	Approved
CLM-2025-002	Emergency	$1,250	2025-12-18	Processing
CLM-2025-003	Dental	$420	2025-12-20	Pending

🔗 Health Record Integration

Connect pet health passport data with insurance policy for automated claims and premium adjustments.

{
  "integration": {
    "healthPassportId": "WIA-PET-HEALTH-001234",
    "insurancePolicyId": "PET-INS-2025-001234",
    "syncEnabled": true,
    "lastSync": "2025-12-25T10:30:00Z"
  },
  "healthData": {
    "vaccinations": [
      {
        "type": "Rabies",
        "date": "2024-05-15",
        "nextDue": "2025-05-15",
        "verified": true
      },
      {
        "type": "DHPP",
        "date": "2024-06-01",
        "nextDue": "2025-06-01",
        "verified": true
      }
    ],
    "medicalHistory": [
      {
        "date": "2024-08-20",
        "condition": "Ear Infection",
        "treatment": "Antibiotics",
        "cost": 180,
        "claimSubmitted": true,
        "claimStatus": "approved"
      }
    ],
    "preventiveCare": {
      "annualCheckup": "2024-12-01",
      "dentalCleaning": "2024-09-15",
      "heartwormTest": "2024-07-10"
    }
  },
  "premiumAdjustments": {
    "baseRate": 89.99,
    "healthScoreDiscount": -5.00,
    "preventiveCareDiscount": -3.00,
    "adjustedRate": 81.99
  },
  "claimAutomation": {
    "autoSubmit": true,
    "preApprovalThreshold": 500,
    "documentAutoFetch": true
  }
}

📊 Health Score Impact

Current Health Score: 85/100

Premium Discount: -$8.00/mo

Claims Processed: 12

Auto-Approved: 9 (75%)

🎯 Coverage Recommendations

✅ Annual checkup completed
⚠️ Dental cleaning due in 2 months
✅ All vaccinations current
💡 Consider wellness plan upgrade

📱 Generate QR Code

Generate QR code for quick policy verification at veterinary clinics.

Policy ID:

QR Code

Scan at any WIA-certified veterinary clinic

🎫 Verifiable Credential

W3C Verifiable Credential for insurance policy verification.

{
  "@context": [
    "https://www.w3.org/2018/credentials/v1",
    "https://wiastandards.com/credentials/pet-insurance/v1"
  ],
  "type": ["VerifiableCredential", "PetInsurancePolicy"],
  "issuer": {
    "id": "did:wia:insurance:premium-pet-insurance",
    "name": "Premium Pet Insurance Co."
  },
  "issuanceDate": "2025-01-01T00:00:00Z",
  "expirationDate": "2026-01-01T00:00:00Z",
  "credentialSubject": {
    "id": "did:wia:pet:001234",
    "policyId": "PET-INS-2025-001234",
    "owner": "John Smith",
    "pet": {
      "name": "Buddy",
      "species": "Dog",
      "microchipId": "985112345678901"
    },
    "coverage": {
      "tier": "Premium",
      "annualLimit": 15000,
      "deductible": 250
    },
    "status": "Active"
  },
  "proof": {
    "type": "Ed25519Signature2020",
    "created": "2025-01-01T00:00:00Z",
    "proofPurpose": "assertionMethod",
    "verificationMethod": "did:wia:insurance#key-1",
    "proofValue": "z3FXQzM2NjE4NTA..."
  }
}

🔐 Blockchain Verification

Policy Hash: 0x1234567890abcdef...

Blockchain Network: Ethereum Mainnet

Smart Contract: 0xabcdef1234567890...

Verification Status: ✅ Verified

🛡️ Pet Insurance Simulator