Pet Insurance Cost Calculator
Get an instant estimate and compare top providers
🐶 Dog
🐱 Cat
Accident Only
Comprehensive
Wellness Add-on
$100 (higher premium)
$250 (balanced)
$500 (lower premium)
ESTIMATED MONTHLY PREMIUM
$48
≈ $576/year · Comprehensive plan
Estimated range across top providers:
BASIC
$28
/month
Accident only
80% reimbursement
$5K annual limit
80% reimbursement
$5K annual limit
✓ Best Value
COMPREHENSIVE
$48
/month
Accident + illness
90% reimbursement
Unlimited limit
90% reimbursement
Unlimited limit
PREMIUM
$72
/month
+ Wellness & dental
90% reimbursement
Unlimited + extras
90% reimbursement
Unlimited + extras
Top providers for your pet:
Embrace Pet Insurance
Diminishing deductible · great for young pets
$44/mo
Top Pick
Trupanion
Direct vet payment · no payout cap
$52/mo
Lemonade Pet
AI-powered · fast claims · app-based
$40/mo
Spot Pet Insurance
Customizable deductible & reimbursement
$38/mo
💡 Is Pet Insurance Worth It?
- The average emergency vet visit costs $800–$1,500; a single surgery can be $3,000–$8,000
- Most policies exclude pre-existing conditions — enroll while your pet is young & healthy
- Compare reimbursement models: actual cost vs. benefit schedule (always choose actual cost)
- Look for a diminishing deductible — it rewards you for not filing claims