UK pet insurance estimator
Free UK pet insurance calculator. Estimate your monthly premium from species, breed, age, excess and cover — accident-only to lifetime cover, instant and private.
How to use
- Enter species, breed and age. Add whether your pet is a dog or cat, its breed and its age. Older pets and higher-risk breeds raise the estimate.
- Choose your cover type. Pick accident-only, time-limited or lifetime cover. Lifetime costs most because it renews limits for ongoing conditions.
- Set your excess. Select your excess. A higher excess means you pay more towards each claim, which lowers your premium.
- Review your estimate. See your estimated monthly and annual premium in £, the typical range, and each factor's contribution.
Features
- Species and breed factors. Prices dogs and cats separately and reflects that breed affects the risk and therefore the premium.
- Lifetime cover comparison. Compares accident-only, time-limited and lifetime cover in £, explaining why lifetime costs the most.
- Age-aware pricing. Reflects that premiums rise as your pet gets older, an important driver of lifetime cost.
- Excess factor. Includes the excess — a higher one lowers your premium, and the tool lets you compare levels.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Estimating cover for a new puppy or kitten
- Comparing time-limited versus lifetime cover
- Seeing how breed and age affect the premium
- Understanding how a higher excess lowers cost
- Budgeting pet care before insuring an older animal
Is it private?
Every calculation runs in your browser. Your pet's species, breed and age details are never uploaded, stored or shared.
Frequently asked questions
Is this a real pet insurance quote?
No. It is an educational estimate based on published UK averages and standard rating factors. Real prices depend on your pet, breed, postcode and insurer, so get quotes for exact figures.
What is lifetime cover?
Lifetime cover renews its benefit limits each policy year, so it keeps paying for ongoing and chronic conditions year after year. That is why it costs more than accident-only or time-limited cover.
Why does breed affect the price?
Some breeds are prone to more health problems, so they cost more to insure. The estimate factors species and breed risk into the premium.
Are pre-existing conditions covered?
No. Pet insurance excludes conditions your pet already has before the policy starts, which is why insuring young and healthy pets usually costs less.
How does the excess affect my premium?
A higher excess means you pay more towards each claim, so the insurer charges a lower premium. The tool lets you compare excess levels.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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