Pet Insurance Calculator
Estimate pet insurance costs and determine optimal coverage for your dog or cat. Pet insurance provides crucial financial protection against unexpected veterinary expenses.
Younger pets have significantly lower premiums
Comprehensive covers illnesses like cancer, infections, chronic conditions
Percentage of covered costs paid after deductible
Is pet insurance worth it?
Depends on your financial situation and pet's health risks. Worth it if you can't afford $3,000-$10,000 emergency vet bills, have a purebred prone to health issues, or have a young pet (lock in low rates). Average pet insurance costs $30-50/month, while emergency surgeries can cost $3,000-$7,000.
What does pet insurance typically cover?
Accident & Illness plans cover: accidents, illnesses (cancer, diabetes, infections), surgeries, diagnostic tests, medications, emergency care, and chronic conditions (if not pre-existing). Usually does NOT cover pre-existing conditions, preventive care (unless add-on), breeding, or cosmetic procedures.
How much does pet insurance cost per month?
Average costs: Dogs $30-$70/month, Cats $15-$40/month. Varies by pet age, breed, location, coverage level, deductible, and reimbursement rate. Young mixed-breed cat: $20-30/month. Young Golden Retriever: $50-80/month. 8-year-old Bulldog: $100-150/month.