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Pet Insurance Calculator

Premium vs out-of-pocket vet bills — when does pet insurance pay off?

SpeciesAge (years)

Size (dogs)Annual probability of major claim (%)

Vet emergencies happen ~10-25%/yr depending on breed and age.

Annual premium

$600

Monthly$50

Expected vet savings$472

Premium / savings ratio1.27x

Below 1.0x: insurance pays off on average. Above 1.0x: self-insure with a savings account. Older pets and accident-prone breeds tip the balance toward insurance.