Pet Insurance Cost Calculator

Get a quick, no-email estimate of your monthly pet insurance cost. The calculator uses the latest industry averages (NAPHIA's 2026 report, covering 2025) and adjusts for the factors insurers price on: species, age, breed risk, and your coverage settings. It's an estimate to set expectations, not a quote.

This is a rough estimate based on industry averages and typical pricing factors, not a quote or an offer of insurance. Actual premiums depend on the specific insurer, your pet, and exact terms. Always get a real quote before buying.

What changes your pet insurance cost?

Insurers build your premium from a handful of factors. The biggest levers:

• Species & breed: dogs cost more than cats, and breeds prone to hereditary conditions (hip dysplasia, breathing problems) cost the most.
• Age: premiums rise as pets get older and claim risk increases. Enrolling young locks in a lower base.
• Deductible: a higher deductible lowers your premium but means you pay more before reimbursement starts.
• Reimbursement rate: 90% back costs more per month than 70% back.
• Annual limit: higher or unlimited limits cost more but protect you on major bills.
• Location: vet prices vary by area, so your ZIP code moves the number.

Want the detail behind each lever? Read how deductibles work and how much pet insurance costs in 2026.