US pet insurance estimator
Free US pet insurance calculator. Estimate your monthly premium from species, breed, age, deductible and cover level — accident to comprehensive, 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 level. Pick accident-only, accident and illness, or comprehensive plus wellness. Wider cover costs more; the tool compares them.
- Set your deductible. Select your deductible. A higher deductible means you pay more per 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 large, purebred and flat-faced breeds cost more to insure.
- Cover-level comparison. Compares accident-only, accident and illness, and comprehensive plus wellness plans in dollars.
- Age-aware pricing. Reflects that premiums rise as your pet gets older, an important driver of lifetime cost.
- Deductible factor. Includes the deductible — 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 accident-only versus comprehensive plans
- Seeing how breed and age affect the premium
- Understanding how a higher deductible 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 US averages and standard rating factors. Real prices depend on your pet, breed, location and insurer, so get quotes for exact figures.
Why does breed affect the price?
Large, purebred and flat-faced breeds tend to have more health problems, so they cost more to insure. The estimate factors species and breed risk in.
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.
What do the cover levels include?
Accident-only covers injuries; accident and illness adds sickness; comprehensive plus wellness also covers routine care like checkups and vaccinations. Wider cover raises the premium.
How does the deductible affect my premium?
A higher deductible means you pay more per claim, so the insurer charges a lower premium. The tool lets you compare deductible 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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