Is pet insurance worth it?

A transparent calculator with no opt-in form. Adjust the inputs and read the verdict. For a breed-tuned version, open the relevant breed page.

Is it worth it?

Projected expected coverage vs premiums paid over 5 years. Adjust the inputs to match your situation.

PuppyAdultSenior
$
Expected covered claims$4,400
Total premiums paid$3,120
Net benefit+$1,280

Verdict: Reasonable value. Coverage typically pays for itself by the second major claim.

Compare real quotes

Calculator output is an industry-average estimate, not an insurance quote. See methodology.