Request a pet quote | Truvo Platform docs

To get pet insurance quotes, send a POST /v1/quote-requests request with line set to pet. Prefill what you already know about the pet owner, such as their name or email address, and ask them for the rest. If you don’t know an optional value, omit the field instead of guessing.

Get the pet owner’s agreement

Before you request quotes, the pet owner must agree to Truvo’s quote disclosure. GET /v1/capabilities returns it as quote_disclosure. Show the pet owner its text as written, and ask whether they agree. If they agree, send its version as quote_disclosure_version, with quote_disclosure_accepted set to true. If the version isn’t the current one, the request fails with 422. The quote disclosure lists each rule and its error.

Minimal request

Generate one Idempotency-Key for each new quote request, and reuse it when you retry. To retry, rerun the curl command without regenerating KEY. Over MCP, pass the key as request_key.

Set TRUVO_API_KEY to your sandbox key and replace quote_disclosure_version with the version the pet owner agreed to:

KEY=$(uuidgen)
curl -X POST https://api.truvo.com/v1/quote-requests \
  -H "Authorization: Bearer $TRUVO_API_KEY" \
  -H "Truvo-Version: 2026-09-26" \
  -H "Idempotency-Key: $KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "line": "pet",
    "quote_disclosure_version": "2026-10-06.1",
    "quote_disclosure_accepted": true,
    "application": {
      "owner": {
        "name": {
          "first_name": "Test",
          "last_name": "Applicant One"
        },
        "email": "alex@example.com",
        "phone": "512-555-0123",
        "address": {
          "line1": "1 Main St",
          "city": "Atlanta",
          "state": "GA",
          "postal_code": "30301"
        }
      },
      "pets": [
        {
          "name": "Biscuit",
          "species": "dog",
          "breed": "Labrador Retriever",
          "date_of_birth": "2021-04-02",
          "sex": "female"
        }
      ]
    }
  }'

Truvo returns 202 with a quote request. Poll the quote request to get its quotes.

Request fields

Label	Meaning
Required	The request fails with `422` without the field.
Required if	The request fails with `422` without the field when the condition after the label is true.
Recommended	Optional. Carriers use the value to price the quote, so send it when you have it. If you omit it, they receive a default or no value.
No label	Optional. If Truvo applies a default, the table lists it.

Top-level fields · application · owner · pets[] · coverage

Top-level fields

Field	Type	Description
`line` Required	string	The insurance line. Value: `pet`.
`quote_disclosure_version` Required	string	The version of the quote disclosure that the pet owner agreed to. `GET /v1/capabilities` returns it as `quote_disclosure.version`.
`quote_disclosure_accepted` Required	boolean	Set to `true` after the pet owner agrees to the quote disclosure. Their agreement covers the quote and contact by phone, text, and email. If the value isn’t `true`, the request fails with `422`.
`application` Required	object	The pet owner, pets, and coverage to quote. `GET /v1/capabilities` returns its JSON Schema as the line’s `required_facts_schema`.

`application`

Field	Type	Description
`owner` Required	object	The pet owner’s name, contact details, and home address.
`pets` Required	array of 1 to 10 objects	The pets to insure.
`coverage`	object	The coverage settings for all pets in the request. Truvo applies a default for each one you omit.

`application.owner`

Field	Type	Description
`name` Required	object	The pet owner’s name.
`name.first_name` Required	string, 1 to 100 characters	The first name, such as `Alex`.
`name.last_name` Required	string, 1 to 100 characters	The last name, such as `Smith`.
`email` Required	string (email), up to 254 characters	The pet owner’s email address.
`phone` Required	string, 1 to 32 characters	The pet owner’s US phone number, including its area code, such as `512-555-0123`. The sandbox accepts `512-555-0123`; for live quotes, use the pet owner’s number. A live request with a number that nobody could answer, such as a fictional number in the `555-0100` to `555-0199` range, fails with `422`.
`address` Required	object	The address of the pet owner’s home.
`address.line1` Required	string, 1 to 200 characters	The street address, such as `100 Example Way`.
`address.city` Required	string, 1 to 100 characters	The city, such as `Austin`.
`address.state` Required	string	The two-letter state code, such as `TX`.
`address.postal_code` Required	string	The ZIP code, such as `78701` or `78701-1234`.
`address.line2`	string or null, 1 to 200 characters	A second address line, such as a unit number.

`application.pets[]`

Field	Type	Default	Description
`name` Required	string, 1 to 100 characters		The pet’s name, such as `Biscuit`.
`species` Required	string		The pet’s species. Values: `dog`, `cat`.
`breed` Required	string, 1 to 100 characters		The pet’s breed, such as `Labrador Retriever`.
`date_of_birth` Required	string (date)		The pet’s date of birth, in `YYYY-MM-DD` format.
`sex` Required	string		The pet’s sex. Values: `female`, `male`.
`neutered` Recommended	boolean	`false`	Whether the pet is spayed or neutered.

`application.coverage`

Field	Type	Default	Description
`deductible_minor`	integer, 0 or more, a multiple of `100` (whole dollars)	`50000` ($500)	The deductible, in US cents: `50000` is $500. If a carrier quotes a different amount, its quote reports the change in `evidence.assumptions`. Amounts carriers offer `5000` $50 `10000` $100 `20000` $200 `25000` $250 `30000` $300 `35000` $350 `40000` $400 `45000` $450 `50000` $500 `55000` $550 `60000` $600 `65000` $650 `70000` $700 `75000` $750 `80000` $800 `85000` $850 `90000` $900 `95000` $950 `100000` $1,000 `110000` $1,100 `120000` $1,200 `130000` $1,300 `140000` $1,400 `150000` $1,500 `160000` $1,600 `170000` $1,700 `180000` $1,800 `190000` $1,900 `200000` $2,000 `210000` $2,100 `220000` $2,200 `230000` $2,300 `240000` $2,400 `250000` $2,500
`reimbursement_percent`	integer, 1 to 100	`80`	The percentage of covered vet expenses that the carrier reimburses after the deductible, such as `80` for 80%. If a carrier quotes a different percentage, its quote reports the change in `evidence.assumptions`.
`annual_limit_minor`	integer, greater than 0, a multiple of `100` (whole dollars)	`1000000` ($10,000)	The annual limit, in US cents: `1000000` is $10,000. If a carrier quotes a different amount, its quote reports the change in `evidence.assumptions`. Amounts carriers offer `250000` $2,500 `300000` $3,000 `400000` $4,000 `500000` $5,000 `600000` $6,000 `700000` $7,000 `750000` $7,500 `800000` $8,000 `900000` $9,000 `1000000` $10,000 `1250000` $12,500 `1500000` $15,000 `2000000` $20,000 `2500000` $25,000 `3000000` $30,000

Responses

Request	Response
Has every required field	`202` with a quote request. Its `assumptions` lists each default that Truvo applied.
Is missing a required field of `application`	`422` `needs_information`. `field_errors` lists each missing field with the code `required`.
Is missing `line`, `application`, or a disclosure field	`422` `invalid_input`. `field_errors` identifies the field.
Has an invalid value	`422` `invalid_input`. `field_errors` lists each invalid field, with `allowed_values` when the API can list the values the field accepts.

A request that fails with 422 isn’t stored, so you can send the corrected request with the same Idempotency-Key or a new one.

After Truvo accepts a request, a carrier can still report missing_information in market_outcomes if it needs more information than the request included. See Why did a request finish with no quotes?.

Default values

If you omit neutered or a coverage field, Truvo sends carriers the default and reports it in the quote request’s assumptions:

{
  "path": "application.coverage.deductible_minor",
  "value": 50000,
  "source": "pet_coverage_default",
  "label": "Truvo default, $500."
}

To send carriers another value, create a new quote request that includes the field.

Missing required fields

If pets is missing or empty, field_errors lists the array and the required fields of its first item. The following response is for a request whose application is empty:

{
  "error": {
    "code": "needs_information",
    "message": "The quote request needs more information.",
    "field_errors": [
      {
        "path": "application.owner.name.first_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.name.last_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.email",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.phone",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.address.line1",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.address.city",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.address.state",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.owner.address.postal_code",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets.0.name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets.0.species",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets.0.breed",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets.0.date_of_birth",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.pets.0.sex",
        "message": "This fact is required.",
        "code": "required"
      }
    ],
    "retry_action": {
      "type": "supply_facts",
      "summary": "Supply the missing facts and send the request again."
    },
    "doc_url": "https://docs.truvo.com/v1/errors/needs_information"
  },
  "request_id": "req_2a20b55ec50f115e"
}