Premium Calculator
How much will pet insurance cost you?
Enter your pet’s details — get an honest monthly estimate, lifetime savings comparison, and break-even analysis.
Pet type
✓
🐕
Dog
Higher risk profile
🐈
Cat
Lower avg premiums
🐇
Exotic / Other
Bird, reptile, rabbit
Pet details
Younger pets = significantly lower premiums
Male
Female
Yes — 5% discount
No
Pre-existing conditions
Please answer honestly
Pre-existing conditions are NOT covered by most insurers. Marking these gives you a more realistic estimate and avoids surprises at claim time.
Location & vet costs
US avg: $800–$1,500/yr dogs · $500–$1,000/yr cats
Coverage plan
$100
$250
$500
$1K
70%
80%
90%
Optional add-ons
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Dental Care
Cleanings, extractions
+$8/mo
💊
Prescription Meds
Ongoing medications
+$6/mo
🧬
Hereditary Conditions
Breed-specific issues
+$10/mo
🧘
Behavioral Therapy
Anxiety, aggression
+$5/mo
🌿
Alternative Therapy
Acupuncture, hydro
+$7/mo
📍
Lost Pet Coverage
Reward + advertising
+$4/mo