Pet Insurance Calculator

Calculate pet insurance premiums for your dog or cat. This tool estimates costs based on pet type, breed, age, location, and coverage options.

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Enter Your Pet's Information

Average Monthly Cost by Pet Type & Age

Sample Calculations

Example 1: Young Healthy Dog
Type: Dog, Breed: Labrador Retriever, Age: 2, Weight: 60 lbs, Location: Suburban, Coverage: Accident & Illness
Estimated Monthly Premium: $35 - $45
Example 2: Senior Cat with Wellness
Type: Cat, Breed: Siamese, Age: 10, Weight: 12 lbs, Location: Urban, Coverage: Comprehensive
Estimated Monthly Premium: $50 - $65
Example 3: High-Risk Breed
Type: Dog, Breed: French Bulldog, Age: 4, Weight: 25 lbs, Location: Urban, Coverage: Comprehensive
Estimated Monthly Premium: $60 - $80

Data Sources & Methodology

Data Source: North American Pet Health Insurance Association (NAPHIA)
Last Updated: January 2026
Reference: View Sources
  • North American Pet Health Insurance Association (NAPHIA) - Industry report
  • Pet Insurance Review - Rate surveys 2025-2026
  • Major pet insurance providers - Average rate data
  • AVMA (American Veterinary Medical Association) - Pet health statistics