Pet Insurance Calculator

Estimate pet insurance premiums and expected value from pet type, age, breed size, deductible, and coverage level.

Pet type (0/1)

Pet age (years)

Breed size (0-3)

Annual coverage limit ($)

Annual deductible ($)

Reimbursement (%)

Wellness add-on (0/1)

Tab to move between fields

Monthly premium ($)

$50.03

≈ 10 cups of coffee

Annual premium ($)$600.38

Wellness add-on ($/mo)$0.00

Est. annual vet costs ($)$740.00

Expected reimbursement ($)$192.00

Net benefit / (cost) ($)-$408.38

How to Use This Calculator

Enter your pet's species, breed, age, and whether the pet is spayed or neutered.
Select the coverage tier: accident-only, accident and illness, or comprehensive.
Set the annual deductible amount and reimbursement percentage.
Review the Estimated Monthly Premium and the Annual Maximum Benefit.
Use the Break-Even Vet Bill output to determine at what claim level the policy pays for itself.

How the result changes with Reimbursement (%)

Pet type (0/1): 0 = Dog, 1 = Cat.
Pet age (years): Current age of your pet — premiums increase with age.
Breed size (0-3): Dogs only: 0 = Small (<20 lb), 1 = Medium (20-50 lb), 2 = Large (50-90 lb), 3 = Giant (90+ lb).
Annual coverage limit ($): Maximum the insurer will reimburse per year.
Annual deductible ($): Amount you pay out-of-pocket before insurance kicks in.
Reimbursement (%): Percentage of eligible expenses the insurer reimburses after deductible.
Wellness add-on (0/1): 1 to add routine wellness coverage (vaccines, dental cleaning, annual exam).

Monthly premium ($): Estimated monthly insurance premium including any add-ons.
Annual premium ($): Total cost over 12 months.
Wellness add-on ($/mo): Monthly cost of optional wellness rider.
Est. annual vet costs ($): Average expected annual veterinary expenses for this pet profile.
Expected reimbursement ($): Estimated annual reimbursement based on average vet costs.
Net benefit / (cost) ($): Expected reimbursement minus annual premium — negative means insurance costs more than average claims.

Identify Input Parameters
4 parameters
Pet type (0/1) = 0, Pet age (years) = 3, Breed size (0-3) = 1, Annual coverage limit ($) = 10000 = 7 input(s) provided
Calculate Monthly premium
Monthly premium = monthlyPremium + wellnessAddon
50.03 = $50.03
Calculate Annual premium
Annual premium = totalMonthly * 12
600.38 = $600.38
Calculate Wellness add-on
0 = $0