🐾Pet Insurance Calculator
Compare insurance costs vs. self-insuring
Pet Details
Insurance Options
Is Pet Insurance Worth It?
Pet insurance works best as protection against catastrophic vet costs, not routine care. If you can easily pay a $20,000+ emergency bill, self-insuring may make sense. But if an unexpected cost would be financially devastating, insurance provides peace of mind.
Understanding Coverage Levels
Accident Only: Lowest cost, covers only accidents (broken bones, object ingestion). Basic: Adds common illnesses and surgeries. Comprehensive: Includes cancer, chronic conditions, and sometimes alternative medicine. Consider breed predisposition to specific conditions when choosing.
Breed Size and Health Costs
Larger dogs generally have shorter lives but higher vet costs per incident. Giant breeds are prone to hip problems, bloat, and heart issues. Small breeds often live 15+ years but face dental problems and patellar luxation. Cats have more uniform life expectancy but vary in health risks by breed.
When to Get Insurance
Getting insurance when your pet is young and healthy means no exclusions for pre-existing conditions and lower premiums. Waiting until problems appear means conditions won't be covered. Older pets can still be covered but premiums will be higher. Many insurers won't cover pets over 10-14 years.
Financial Accuracy
Disclaimer: This calculator provides estimates for informational purposes only. This is not financial, tax, or legal advice. Please consult a qualified financial advisor for advice specific to your situation.