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Swipet

Swipet

“ Invest in the insurpet for tailor-made veterinary insurance for pets ”

ATICCO
Notable investor ATICCO
Ticket IR €25,000
More info.
€31,366
15.7%
0
Interested
3
Investors
56
days left
Invest in less than 5 min.
€31,366 15.7%
Invest in less than 5 min.

Understanding the investment opportunity

Swipet is a digital insurance company specialized in pets, allowing users to calculate and purchase the ideal veterinary insurance in just a few minutes. Through a proprietary algorithm, it analyzes the specific characteristics and needs of each animal — such as breed, age, medical history, and location — and goes further by studying many more actuarial variables than conventional ones to offer a personalized policy tailored to the pet's profile.





The process is simple and flexible: the insurance works via reimbursement, allowing the customer to visit the veterinarian of their choice. After receiving treatment, the user just needs to upload the invoice to the Swipet app, and the reimbursement is processed in less than 24 hours.

Swipet combines freedom of choice, speed, and true personalization, radically improving the traditional veterinary insurance experience.

      INVESTMENT STAGE

      PRE_SEED

      MARKET

      • pets
      • insurance tech
      • seguros

      OFFICIAL WEBPAGE

      Fiscal benefits

      Investing in Swipet offers you fiscal benefits
      VIDEOS
      IMAGE GALLERY

      Swipet Team

      Eduardo Pena Varela CEO
      Eduardo Pena Varela
      CEO

      Luis Ruiz CMO
      Luis Ruiz
      CMO

      Mario Latorre CTO
      Mario Latorre
      CTO

      Anxo Mourelle

      Anxo Mourelle

      Advisor

      Accelerators
      Lanzadera

      Lanzadera

      ACCELERATOR

      Vivero de Empresas (Madrid Emprende)

      Vivero de Empresas (Madrid Emprende)

      INCUBATOR

      Reasons to invest View more data




      Product

      • Radical personalization.
      • Swipet is the only Insurpet that designs 100% tailored insurance policies for each pet thanks to PetShield, our Machine Learning algorithm that analyzes medical histories and calculates the optimal premium for each case, reducing claims and improving margins.
      • Ultra-fast digital experience.
      • Get your insurance in less than 3 minutes, frictionless and 100% online. No calls, no fine print, no waiting.
      • Proprietary technology.
      • We have created our own ecosystem: payment gateway, claims management, conversational AI for sales and support, and real-time analytics to optimize the portfolio.

      Market


      Business Model
      • Increasing Margins: Current commission of 20% per policy, with roadmap to reach 35% by 2026 through higher volume and strategic agreements.
      • Diversified Monetization: Revenue from acquisition and renewal, average ticket of €400/year, churn rate <2%.
      • Very strong LTV/CAC: With an LTV/CAC of 13.3 and an average CAC of only €36.

            Traction and Metrics

            • We are already generating over 30 quotes per day with a steady growth trend.
            • In just 12 months, we’ve reached a Booked ARR of over €200k, validating demand and scalability of the model.
            • Current conversion rate of 12% is projected to double to 15% thanks to the implementation of artificial intelligence in sales and customer service.

              Recognition and Validation

              • Industry Support: Collaboration with veterinary clinics, pet stores, and platforms in the pet ecosystem.
              • Legal entity conversion to Underwriting Agency, reinforces our position in the insurance ecosystem and enables us to operate with greater autonomy and margin.

              Team

              • Multidisciplinary and experienced:
                • Eduardo Pena Varela (CEO & Founder) - Leads Swipet with strong international education and experience as an entrepreneur in the fintech and insurtech ecosystem. Stands out for his strategic vision and capacity for innovation.
                • Mario Latorre (CTO) - Expert in artificial intelligence and software development. With experience in market making and algorithmic trading projects, he brings expertise in sophisticated models and resilient systems.
                • Luis Ruiz (CMO) - Specialist in digital marketing, conversion, and ecommerce. Has led high-impact campaigns and developed growth strategies in digital sectors.
                • Anxo Mourelle (Advisor) - Engineer, economist, and lawyer. Has led major companies and is also a serial entrepreneur. Provides strategic mentoring, key contacts, and know-how to accelerate agreements and growth.

              Costs and Efficiency

              • We have a 22-month runway thanks to rigorous financial management and resource optimization.
              • We have validated growth with an agile and efficient model, scaling with low initial capital and without compromising service quality.



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                  Who is the reference investor?

                  ATICCO

                  ATICCO

                  INVESTOR

                  Ticket IR €25,000
                  OFFICIAL WEBPAGE aticco.com/
                  About ATICCO
                  Aticco es un ecosistema de innovación que impulsa el emprendimiento desde múltiples ángulos: espacios de coworking, coliving, programas de aceleración y también inversión en startups. Con presencia en Barcelona, Madrid y Valencia, conecta a más de 6.000 profesionales y 350 empresas en 14 edificios, convirtiéndose en un hub de referencia para la comunidad emprendedora. Desde Aticco Lab, su aceleradora, hemos impulsado más de 100 startups y generado más de 300 M€ en financiación. A través de Funding Place en Startupxplore, Aticco provee de las mejores oportunidades de inversión para que cualquier persona pueda invertir en las mismas condiciones que nosotros. Todas las oportunidades están seleccionadas por nuestro comité, y validadas y filtradas bajo los criterios de transparencia de Startupxplore. Funding Place permite invertir en startups con tickets desde 2.000 €, en un entorno transparente, profesional y conectado. Apostamos por calidad, no cantidad. Desde Aticco nos alineamos con los inversores, invirtiendo en todas las rondas lanzadas en Funding Place. Descubre más en https://funding.place
                  • Investing in startups: Since 2019
                  • Euros invested:€1 billion
                  • Investments:+127
                  • Exits:4
                  Why do I invest in Swipet?

                  Aticco is much more than a group of coworking spaces. It is an ecosystem of innovation and entrepreneurship that supports startups at every stage: from their first steps to international scaling.
                  Through Aticco Lab, its investment and acceleration vertical, they boost high-potential companies like Las Muns, providing not only capital, but also community, knowledge, and strategic connections.

                  In recent years, Aticco has invested in over 30 startups and has demonstrated its ability to detect talent, support it, and multiply its value. 

                  Aticco enhances Swipet’ visibility within one of the most active innovation ecosystems in Southern Europe and connects them with talent and a community of over 6,000 coworkers who can become their best ambassadors.

                  And for investors, Aticco’s involvement is very important—it means they’re not investing alone. Aticco is the first agent to analyze, validate, and invest in the opportunity.
                  Investors come in alongside an experienced partner, with skin in the game, who has already walked this path several times and backs startups like Swipet because they believe in their growth and return potential.

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                  Opportunity analysis Last update Aug 4, 2025 5:00:24 PM

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                  Important

                  Startup investments have associated risks, including: Liquidity Risk, Information Risk, Risk of loosing partially or totally the investment capital, fast changing operation environment, regulatory and legal risks, minority investment risks, no capacity of influence on the company management. Due to the high uncertainty associated to this type of investment, you should contemplate investing only if you fully understand the risks and always as part of a diversified investment portfolio.

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