Estimate your pet's insurance premium
Dogs, cats, puppies, seniors — adjust the inputs and watch the estimate update live.
Annual premium: $378
Monthly baseline
3 yrs old
medium breed
accident-illness
$250 deductible, 80% reimbursement
Illustrative estimate only — not a quote or professional recommendation. Read the full disclaimer.
Trust & methodology
Last reviewed: July 23, 2026
This tool provides an illustrative pet insurance premium estimate based on the generic factors shown below — not a quote from any insurer.
How to use this calculator
Pick species and age
Dog or cat, and their current age — the single biggest driver of the estimate.
Add breed size (dogs)
Small, medium, or large breed, since larger dogs tend to have higher claim costs.
Choose a coverage level
Accident-only, accident & illness, or comprehensive with wellness.
Set deductible and reimbursement
A higher deductible lowers the premium; a higher reimbursement rate raises it.
Inputs used
- Species (dog/cat)
- Age
- Breed size (dogs)
- Coverage level
- Annual deductible
- Reimbursement percentage
Formula basis
- Monthly premium = species base rate × age multiplier × breed-size multiplier × coverage-level multiplier × deductible multiplier × reimbursement multiplier
Assumptions and limits
- Generic, publicly-representative rate assumptions — not a filed rate table from any specific insurer
- Does not model breed-specific hereditary condition exclusions or waiting periods, which vary by carrier
- Assumes no pre-existing conditions, which most pet insurers exclude by default
Official sources
Frequently asked questions
Like human health insurance, older pets are statistically more likely to develop conditions that generate claims, so premiums rise with age — often sharply after age 7–8.
Accident-only plans cover injuries (broken bones, swallowed objects) but not illnesses. Accident & illness plans add coverage for conditions like cancer or diabetes. Comprehensive/wellness plans also cover routine care like vaccines and checkups.
A higher deductible (you pay more before coverage kicks in) lowers your premium. A higher reimbursement rate (the insurer pays a larger share of each claim) raises it.