Free Online Calculator

Pet Insurance Calculator

Estimate your pet insurance premium based on your pet's age, breed, and the coverage tier you need. Get instant results for dogs and cats.

Pet Insurance Estimator

Display:

Estimated Premium

Based on your pet's profile

$0

per month

Base Coverage$0
Age Factor$0
Breed Factor$0
Discounts-$0

Frequently Asked Questions

What does pet insurance cover?

Pet insurance typically covers accidents, illnesses, and emergency care. Comprehensive plans may also include preventive care, dental, and behavioral therapy. Pre-existing conditions are generally excluded.

How much does pet insurance cost?

Costs vary based on age, breed, location, and coverage tier. Dogs typically cost more than cats. Premiums range from $20 to $100+ per month.

Is pet insurance worth it?

Pet insurance can be worth it for unexpected accidents and illnesses that could result in thousands in vet bills. It provides peace of mind.

What are the different coverage tiers?

Most pet insurers offer Accident-Only, Accident & Illness, and Comprehensive tiers. Higher tiers provide more coverage at higher premiums.

Do all plans cover pre-existing conditions?

No, virtually all plans exclude pre-existing conditions. Some may cover curable conditions after a waiting period.

InsurTool·Editorial review 2026-08-14

Estimates are prepared by the InsurTool editorial team from NAIC model-act references, state Department of Insurance rate publications, and carrier methodology disclosures, and reviewed for accuracy by a named editor before publication. This site is educational, not insurance, brokerage, or financial advice.

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