Pet Insurance Tech Platforms Market Forecasts to 2032 – Global Analysis By Component (Software Platforms and Services), Insurance Type, Deployment Mode, Distribution Channel, Technology, End User and By Geography
Description
According to Stratistics MRC, the Global Pet Insurance Tech Platforms Market is accounted for $21.9 billion in 2025 and is expected to reach $67.6 billion by 2032 growing at a CAGR of 17.5% during the forecast period. Pet Insurance Tech Platforms are digital solutions that streamline the process of purchasing, managing, and claiming pet insurance. These platforms leverage technology to offer user-friendly interfaces, real-time policy comparisons, automated claims processing, and personalized coverage recommendations based on pet breed, age, and health history. By integrating data analytics, mobile apps, and cloud-based services, they enhance transparency, reduce administrative burdens, and improve customer experience. Pet owners benefit from faster reimbursements, easier access to veterinary networks, and tailored insurance plans. As pet care becomes more digitized, these platforms play a crucial role in modernizing the insurance landscape and promoting responsible pet ownership.
Market Dynamics:
Driver:
Rising Pet Ownership & Humanization
The surge in pet ownership and the growing trend of pet humanization are key drivers of the pet insurance tech platforms market. As pets are increasingly considered family members, owners are more willing to invest in their health and well-being. This emotional bond fuels demand for comprehensive insurance solutions. Tech platforms respond by offering personalized coverage, seamless digital experiences, and faster claims, aligning with the evolving expectations of pet parents and reinforcing responsible pet care through accessible insurance.
Restraint:
High Insurance Premiums
High insurance premiums significantly hinder the growth of the pet insurance tech platforms market by discouraging widespread adoption among pet owners. Many consumers, especially in price-sensitive regions, perceive pet insurance as a luxury rather than a necessity. Elevated costs limit accessibility, particularly for older pets or breeds with pre-existing conditions. This financial barrier reduces user engagement with digital platforms, stalling innovation and market expansion despite technological advancements aimed at improving affordability and customer experience.
Opportunity:
Digital Transformation in Insurance
Digital transformation presents a major opportunity for growth in the pet insurance tech platforms market. The integration of AI, cloud computing, and mobile apps enables real-time policy comparisons, automated claims, and personalized coverage. These innovations enhance transparency, reduce administrative overhead, and improve customer satisfaction. As insurers embrace digital ecosystems, partnerships with tech startups and veterinary networks are expanding. This shift not only modernizes insurance delivery but also empowers pet owners with smarter, faster, and more flexible coverage options.
Threat:
Lack of Standardized Health Codes
The lack of standardized health codes poses a significant challenge to the pet insurance tech platforms market. Without uniform coding across veterinary practices, insurers struggle to automate claims, assess risk accurately, and streamline coverage approvals. This fragmentation leads to delays, increased administrative costs, and inconsistent service quality. It hampers platform scalability and undermines trust among pet owners, ultimately slowing market growth and limiting the full potential of digital transformation in pet insurance.
Covid-19 Impact:
The Covid-19 pandemic had a mixed impact on the market. On one hand, lockdowns led to increased pet adoption, boosting demand for insurance. On the other, economic uncertainty made consumers cautious about discretionary spending, including premiums. Tech platforms adapted by offering flexible plans, virtual consultations, and digital claims processing. The pandemic accelerated digital adoption across the insurance sector, highlighting the value of tech-enabled solutions in maintaining continuity, improving access, and supporting pet health during crises.
The illness coverage segment is expected to be the largest during the forecast period
The illness coverage segment is expected to account for the largest market share during the forecast period due to rising awareness of chronic and acute pet health issues. As veterinary costs climb, pet owners seek financial protection against unexpected medical expenses. Illness coverage offers comprehensive benefits for conditions like cancer, diabetes, and infections. Tech platforms enhance this segment by enabling personalized policy recommendations, real-time claims processing, and easy access to veterinary networks. These features make illness coverage a preferred choice for responsible and proactive pet care.
The software platforms segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the software platforms segment is predicted to witness the highest growth rate owing to their ability to automate and personalize pet insurance services. These platforms integrate mobile apps, cloud services, and AI to deliver seamless user experiences—from policy selection to claims reimbursement. Their scalability and adaptability make them ideal for insurers seeking to modernize operations. As digital transformation accelerates, software platforms become central to innovation, offering cost-effective, data-driven solutions that enhance transparency, efficiency, and customer engagement.
Region with largest share:
During the forecast period, the Asia Pacific region is expected to hold the largest market share because of rising pet ownership, urbanization, and growing disposable income. Countries like China, Japan, and India are witnessing increased awareness of pet health and wellness. The region’s expanding digital infrastructure supports widespread adoption of tech-enabled insurance solutions. Government initiatives and startup activity further fuel market growth. With a large and diverse pet population, Asia Pacific presents vast opportunities for platform expansion and innovation.
Region with highest CAGR:
Over the forecast period, the North America region is anticipated to exhibit the highest CAGR due to advanced digital ecosystems and strong pet humanization trends. Consumers increasingly seek comprehensive, customizable insurance plans for their pets. The region’s robust tech landscape supports innovations in AI-driven claims, mobile-first platforms, and data analytics. Strategic collaborations between insurers and tech firms enhance service delivery. With high pet healthcare spending and a mature insurance market, North America is poised for rapid and sustained growth.
Key players in the market
Some of the key players in Pet Insurance Tech Platforms Market include Trupanion, Allianz p.l.c., Figo Pet Insurance LLC, Hollard Insurance, Nationwide Mutual Insurance Company, The Oriental Insurance Company Ltd., MetLife Services and Solutions, LLC, ASPCA Pet Health Insurance, Pumpkin Insurance Services Inc., DFV Deutsche Familienversicherung AG, Pets Best Insurance Services, LLC, Royal & Sun Alliance Insurance Ltd., Pet Assure, Anicom Holdings, Inc. and PTZ Insurance Agency, Ltd.
Key Developments:
In April 2025, Pumpkin Pet Insurance has introduced PumpkinNow™, an urgent pay service designed to expedite payments for high-cost veterinary care. This service allows eligible pet owners to receive reimbursement for up to 90% of covered expenses within 15 minutes, even before settling the vet bill.
In October 2023, PetMeds® has partnered with Pumpkin® to offer pet insurance solutions to its over 2 million active customers. Through this collaboration, pet parents can receive reimbursement for 90% of eligible veterinary bills, enhancing access to affordable pet care.
Components Covered:
• Software Platforms
• Services
Insurance Types Covered:
• Accident-Only Coverage
• Illness Coverage
• Wellness & Preventive Care Coverage
• Comprehensive Plans
Deployment Modes Covered:
• Cloud-Based Platforms
• On-Premises Platforms
Distribution Channels Covered:
• Direct-to-Consumer Platforms
• Veterinary Partnerships
• Insurance Brokers & Agents
• Online Marketplaces
Technologies Covered:
• Artificial Intelligence & Machine Learning
• Blockchain & Smart Contracts
• Big Data & Predictive Analytics
• IoT & Wearables Integration
• Mobile Applications
End Users Covered:
• Insurance Companies
• Insurtech Startups
• Veterinary Clinics & Hospitals
• Pet Owners
Regions Covered:
• North America
US
Canada
Mexico
• Europe
Germany
UK
Italy
France
Spain
Rest of Europe
• Asia Pacific
Japan
China
India
Australia
New Zealand
South Korea
Rest of Asia Pacific
• South America
Argentina
Brazil
Chile
Rest of South America
• Middle East & Africa
Saudi Arabia
UAE
Qatar
South Africa
Rest of Middle East & Africa
What our report offers:
- Market share assessments for the regional and country-level segments
- Strategic recommendations for the new entrants
- Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
- Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
- Strategic recommendations in key business segments based on the market estimations
- Competitive landscaping mapping the key common trends
- Company profiling with detailed strategies, financials, and recent developments
- Supply chain trends mapping the latest technological advancements
• Company Profiling
Comprehensive profiling of additional market players (up to 3)
SWOT Analysis of key players (up to 3)
• Regional Segmentation
Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
Market Dynamics:
Driver:
Rising Pet Ownership & Humanization
The surge in pet ownership and the growing trend of pet humanization are key drivers of the pet insurance tech platforms market. As pets are increasingly considered family members, owners are more willing to invest in their health and well-being. This emotional bond fuels demand for comprehensive insurance solutions. Tech platforms respond by offering personalized coverage, seamless digital experiences, and faster claims, aligning with the evolving expectations of pet parents and reinforcing responsible pet care through accessible insurance.
Restraint:
High Insurance Premiums
High insurance premiums significantly hinder the growth of the pet insurance tech platforms market by discouraging widespread adoption among pet owners. Many consumers, especially in price-sensitive regions, perceive pet insurance as a luxury rather than a necessity. Elevated costs limit accessibility, particularly for older pets or breeds with pre-existing conditions. This financial barrier reduces user engagement with digital platforms, stalling innovation and market expansion despite technological advancements aimed at improving affordability and customer experience.
Opportunity:
Digital Transformation in Insurance
Digital transformation presents a major opportunity for growth in the pet insurance tech platforms market. The integration of AI, cloud computing, and mobile apps enables real-time policy comparisons, automated claims, and personalized coverage. These innovations enhance transparency, reduce administrative overhead, and improve customer satisfaction. As insurers embrace digital ecosystems, partnerships with tech startups and veterinary networks are expanding. This shift not only modernizes insurance delivery but also empowers pet owners with smarter, faster, and more flexible coverage options.
Threat:
Lack of Standardized Health Codes
The lack of standardized health codes poses a significant challenge to the pet insurance tech platforms market. Without uniform coding across veterinary practices, insurers struggle to automate claims, assess risk accurately, and streamline coverage approvals. This fragmentation leads to delays, increased administrative costs, and inconsistent service quality. It hampers platform scalability and undermines trust among pet owners, ultimately slowing market growth and limiting the full potential of digital transformation in pet insurance.
Covid-19 Impact:
The Covid-19 pandemic had a mixed impact on the market. On one hand, lockdowns led to increased pet adoption, boosting demand for insurance. On the other, economic uncertainty made consumers cautious about discretionary spending, including premiums. Tech platforms adapted by offering flexible plans, virtual consultations, and digital claims processing. The pandemic accelerated digital adoption across the insurance sector, highlighting the value of tech-enabled solutions in maintaining continuity, improving access, and supporting pet health during crises.
The illness coverage segment is expected to be the largest during the forecast period
The illness coverage segment is expected to account for the largest market share during the forecast period due to rising awareness of chronic and acute pet health issues. As veterinary costs climb, pet owners seek financial protection against unexpected medical expenses. Illness coverage offers comprehensive benefits for conditions like cancer, diabetes, and infections. Tech platforms enhance this segment by enabling personalized policy recommendations, real-time claims processing, and easy access to veterinary networks. These features make illness coverage a preferred choice for responsible and proactive pet care.
The software platforms segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the software platforms segment is predicted to witness the highest growth rate owing to their ability to automate and personalize pet insurance services. These platforms integrate mobile apps, cloud services, and AI to deliver seamless user experiences—from policy selection to claims reimbursement. Their scalability and adaptability make them ideal for insurers seeking to modernize operations. As digital transformation accelerates, software platforms become central to innovation, offering cost-effective, data-driven solutions that enhance transparency, efficiency, and customer engagement.
Region with largest share:
During the forecast period, the Asia Pacific region is expected to hold the largest market share because of rising pet ownership, urbanization, and growing disposable income. Countries like China, Japan, and India are witnessing increased awareness of pet health and wellness. The region’s expanding digital infrastructure supports widespread adoption of tech-enabled insurance solutions. Government initiatives and startup activity further fuel market growth. With a large and diverse pet population, Asia Pacific presents vast opportunities for platform expansion and innovation.
Region with highest CAGR:
Over the forecast period, the North America region is anticipated to exhibit the highest CAGR due to advanced digital ecosystems and strong pet humanization trends. Consumers increasingly seek comprehensive, customizable insurance plans for their pets. The region’s robust tech landscape supports innovations in AI-driven claims, mobile-first platforms, and data analytics. Strategic collaborations between insurers and tech firms enhance service delivery. With high pet healthcare spending and a mature insurance market, North America is poised for rapid and sustained growth.
Key players in the market
Some of the key players in Pet Insurance Tech Platforms Market include Trupanion, Allianz p.l.c., Figo Pet Insurance LLC, Hollard Insurance, Nationwide Mutual Insurance Company, The Oriental Insurance Company Ltd., MetLife Services and Solutions, LLC, ASPCA Pet Health Insurance, Pumpkin Insurance Services Inc., DFV Deutsche Familienversicherung AG, Pets Best Insurance Services, LLC, Royal & Sun Alliance Insurance Ltd., Pet Assure, Anicom Holdings, Inc. and PTZ Insurance Agency, Ltd.
Key Developments:
In April 2025, Pumpkin Pet Insurance has introduced PumpkinNow™, an urgent pay service designed to expedite payments for high-cost veterinary care. This service allows eligible pet owners to receive reimbursement for up to 90% of covered expenses within 15 minutes, even before settling the vet bill.
In October 2023, PetMeds® has partnered with Pumpkin® to offer pet insurance solutions to its over 2 million active customers. Through this collaboration, pet parents can receive reimbursement for 90% of eligible veterinary bills, enhancing access to affordable pet care.
Components Covered:
• Software Platforms
• Services
Insurance Types Covered:
• Accident-Only Coverage
• Illness Coverage
• Wellness & Preventive Care Coverage
• Comprehensive Plans
Deployment Modes Covered:
• Cloud-Based Platforms
• On-Premises Platforms
Distribution Channels Covered:
• Direct-to-Consumer Platforms
• Veterinary Partnerships
• Insurance Brokers & Agents
• Online Marketplaces
Technologies Covered:
• Artificial Intelligence & Machine Learning
• Blockchain & Smart Contracts
• Big Data & Predictive Analytics
• IoT & Wearables Integration
• Mobile Applications
End Users Covered:
• Insurance Companies
• Insurtech Startups
• Veterinary Clinics & Hospitals
• Pet Owners
Regions Covered:
• North America
US
Canada
Mexico
• Europe
Germany
UK
Italy
France
Spain
Rest of Europe
• Asia Pacific
Japan
China
India
Australia
New Zealand
South Korea
Rest of Asia Pacific
• South America
Argentina
Brazil
Chile
Rest of South America
• Middle East & Africa
Saudi Arabia
UAE
Qatar
South Africa
Rest of Middle East & Africa
What our report offers:
- Market share assessments for the regional and country-level segments
- Strategic recommendations for the new entrants
- Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
- Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
- Strategic recommendations in key business segments based on the market estimations
- Competitive landscaping mapping the key common trends
- Company profiling with detailed strategies, financials, and recent developments
- Supply chain trends mapping the latest technological advancements
• Company Profiling
Comprehensive profiling of additional market players (up to 3)
SWOT Analysis of key players (up to 3)
• Regional Segmentation
Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
Table of Contents
200 Pages
- 1 Executive Summary
- 2 Preface
- 2.1 Abstract
- 2.2 Stake Holders
- 2.3 Research Scope
- 2.4 Research Methodology
- 2.4.1 Data Mining
- 2.4.2 Data Analysis
- 2.4.3 Data Validation
- 2.4.4 Research Approach
- 2.5 Research Sources
- 2.5.1 Primary Research Sources
- 2.5.2 Secondary Research Sources
- 2.5.3 Assumptions
- 3 Market Trend Analysis
- 3.1 Introduction
- 3.2 Drivers
- 3.3 Restraints
- 3.4 Opportunities
- 3.5 Threats
- 3.6 Technology Analysis
- 3.7 End User Analysis
- 3.8 Emerging Markets
- 3.9 Impact of Covid-19
- 4 Porters Five Force Analysis
- 4.1 Bargaining power of suppliers
- 4.2 Bargaining power of buyers
- 4.3 Threat of substitutes
- 4.4 Threat of new entrants
- 4.5 Competitive rivalry
- 5 Global Pet Insurance Tech Platforms Market, By Component
- 5.1 Introduction
- 5.2 Software Platforms
- 5.2.1 Policy Management Systems
- 5.2.2 Claims Management Solutions
- 5.2.3 Underwriting Automation Tools
- 5.2.4 Customer Engagement Portals
- 5.3 Services
- 5.3.1 Consulting & Integration
- 5.3.2 Support & Maintenance
- 5.3.3 Managed Services
- 6 Global Pet Insurance Tech Platforms Market, By Insurance Type
- 6.1 Introduction
- 6.2 Accident-Only Coverage
- 6.3 Illness Coverage
- 6.4 Wellness & Preventive Care Coverage
- 6.5 Comprehensive Plans
- 7 Global Pet Insurance Tech Platforms Market, By Deployment Mode
- 7.1 Introduction
- 7.2 Cloud-Based Platforms
- 7.3 On-Premises Platforms
- 8 Global Pet Insurance Tech Platforms Market, By Distribution Channel
- 8.1 Introduction
- 8.2 Direct-to-Consumer Platforms
- 8.3 Veterinary Partnerships
- 8.4 Insurance Brokers & Agents
- 8.5 Online Marketplaces
- 9 Global Pet Insurance Tech Platforms Market, By Technology
- 9.1 Introduction
- 9.2 Artificial Intelligence & Machine Learning
- 9.3 Blockchain & Smart Contracts
- 9.4 Big Data & Predictive Analytics
- 9.5 IoT & Wearables Integration
- 9.6 Mobile Applications
- 10 Global Pet Insurance Tech Platforms Market, By End User
- 10.1 Introduction
- 10.2 Insurance Companies
- 10.3 Insurtech Startups
- 10.4 Veterinary Clinics & Hospitals
- 10.5 Pet Owners
- 11 Global Pet Insurance Tech Platforms Market, By Geography
- 11.1 Introduction
- 11.2 North America
- 11.2.1 US
- 11.2.2 Canada
- 11.2.3 Mexico
- 11.3 Europe
- 11.3.1 Germany
- 11.3.2 UK
- 11.3.3 Italy
- 11.3.4 France
- 11.3.5 Spain
- 11.3.6 Rest of Europe
- 11.4 Asia Pacific
- 11.4.1 Japan
- 11.4.2 China
- 11.4.3 India
- 11.4.4 Australia
- 11.4.5 New Zealand
- 11.4.6 South Korea
- 11.4.7 Rest of Asia Pacific
- 11.5 South America
- 11.5.1 Argentina
- 11.5.2 Brazil
- 11.5.3 Chile
- 11.5.4 Rest of South America
- 11.6 Middle East & Africa
- 11.6.1 Saudi Arabia
- 11.6.2 UAE
- 11.6.3 Qatar
- 11.6.4 South Africa
- 11.6.5 Rest of Middle East & Africa
- 12 Key Developments
- 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
- 12.2 Acquisitions & Mergers
- 12.3 New Product Launch
- 12.4 Expansions
- 12.5 Other Key Strategies
- 13 Company Profiling
- 13.1 Trupanion
- 13.2 Allianz p.l.c.
- 13.3 Figo Pet Insurance LLC
- 13.4 Hollard Insurance
- 13.5 Nationwide Mutual Insurance Company
- 13.6 The Oriental Insurance Company Ltd.
- 13.7 MetLife Services and Solutions, LLC
- 13.8 ASPCA Pet Health Insurance
- 13.9 Pumpkin Insurance Services Inc.
- 13.10 DFV Deutsche Familienversicherung AG
- 13.11 Pets Best Insurance Services, LLC
- 13.12 Royal & Sun Alliance Insurance Ltd.
- 13.13 Pet Assure
- 13.14 Anicom Holdings, Inc.
- 13.15 PTZ Insurance Agency, Ltd.
- List of Tables
- Table 1 Global Pet Insurance Tech Platforms Market Outlook, By Region (2024-2032) ($MN)
- Table 2 Global Pet Insurance Tech Platforms Market Outlook, By Component (2024-2032) ($MN)
- Table 3 Global Pet Insurance Tech Platforms Market Outlook, By Software Platforms (2024-2032) ($MN)
- Table 4 Global Pet Insurance Tech Platforms Market Outlook, By Policy Management Systems (2024-2032) ($MN)
- Table 5 Global Pet Insurance Tech Platforms Market Outlook, By Claims Management Solutions (2024-2032) ($MN)
- Table 6 Global Pet Insurance Tech Platforms Market Outlook, By Underwriting Automation Tools (2024-2032) ($MN)
- Table 7 Global Pet Insurance Tech Platforms Market Outlook, By Customer Engagement Portals (2024-2032) ($MN)
- Table 8 Global Pet Insurance Tech Platforms Market Outlook, By Services (2024-2032) ($MN)
- Table 9 Global Pet Insurance Tech Platforms Market Outlook, By Consulting & Integration (2024-2032) ($MN)
- Table 10 Global Pet Insurance Tech Platforms Market Outlook, By Support & Maintenance (2024-2032) ($MN)
- Table 11 Global Pet Insurance Tech Platforms Market Outlook, By Managed Services (2024-2032) ($MN)
- Table 12 Global Pet Insurance Tech Platforms Market Outlook, By Insurance Type (2024-2032) ($MN)
- Table 13 Global Pet Insurance Tech Platforms Market Outlook, By Accident-Only Coverage (2024-2032) ($MN)
- Table 14 Global Pet Insurance Tech Platforms Market Outlook, By Illness Coverage (2024-2032) ($MN)
- Table 15 Global Pet Insurance Tech Platforms Market Outlook, By Wellness & Preventive Care Coverage (2024-2032) ($MN)
- Table 16 Global Pet Insurance Tech Platforms Market Outlook, By Comprehensive Plans (2024-2032) ($MN)
- Table 17 Global Pet Insurance Tech Platforms Market Outlook, By Deployment Mode (2024-2032) ($MN)
- Table 18 Global Pet Insurance Tech Platforms Market Outlook, By Cloud-Based Platforms (2024-2032) ($MN)
- Table 19 Global Pet Insurance Tech Platforms Market Outlook, By On-Premises Platforms (2024-2032) ($MN)
- Table 20 Global Pet Insurance Tech Platforms Market Outlook, By Distribution Channel (2024-2032) ($MN)
- Table 21 Global Pet Insurance Tech Platforms Market Outlook, By Direct-to-Consumer Platforms (2024-2032) ($MN)
- Table 22 Global Pet Insurance Tech Platforms Market Outlook, By Veterinary Partnerships (2024-2032) ($MN)
- Table 23 Global Pet Insurance Tech Platforms Market Outlook, By Insurance Brokers & Agents (2024-2032) ($MN)
- Table 24 Global Pet Insurance Tech Platforms Market Outlook, By Online Marketplaces (2024-2032) ($MN)
- Table 25 Global Pet Insurance Tech Platforms Market Outlook, By Technology (2024-2032) ($MN)
- Table 26 Global Pet Insurance Tech Platforms Market Outlook, By Artificial Intelligence & Machine Learning (2024-2032) ($MN)
- Table 27 Global Pet Insurance Tech Platforms Market Outlook, By Blockchain & Smart Contracts (2024-2032) ($MN)
- Table 28 Global Pet Insurance Tech Platforms Market Outlook, By Big Data & Predictive Analytics (2024-2032) ($MN)
- Table 29 Global Pet Insurance Tech Platforms Market Outlook, By IoT & Wearables Integration (2024-2032) ($MN)
- Table 30 Global Pet Insurance Tech Platforms Market Outlook, By Mobile Applications (2024-2032) ($MN)
- Table 31 Global Pet Insurance Tech Platforms Market Outlook, By End User (2024-2032) ($MN)
- Table 32 Global Pet Insurance Tech Platforms Market Outlook, By Insurance Companies (2024-2032) ($MN)
- Table 33 Global Pet Insurance Tech Platforms Market Outlook, By Insurtech Startups (2024-2032) ($MN)
- Table 34 Global Pet Insurance Tech Platforms Market Outlook, By Veterinary Clinics & Hospitals (2024-2032) ($MN)
- Table 35 Global Pet Insurance Tech Platforms Market Outlook, By Pet Owners (2024-2032) ($MN)
- Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.
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