Pet Insurance Calculator
Protect your pet without breaking the bank. This pet insurance calculator helps you estimate monthly premiums based on your pet's species, breed, age, location, and desired coverage level. Compare accident-only, accident & illness, and comprehensive plans with different deductibles and reimbursement rates. Perfect for pet owners comparing insurance options or pet businesses helping customers understand coverage costs.
Try the Calculator
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
export function petInsuranceCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Pet Insurance Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Pet Information Section
const petSection = form.addSubform('pet', { title: '🐾 Pet Information' });
petSection.addRow(row => {
row.addDropdown('petType', {
label: 'Pet Type',
options: [
{ id: 'dog', name: 'Dog' },
{ id: 'cat', name: 'Cat' }
],
defaultValue: 'dog',
isRequired: true
}, '1fr');
row.addDropdown('breed', {
label: 'Breed',
options: [
{ id: 'mixed-small', name: 'Mixed Breed - Small' },
{ id: 'mixed-medium', name: 'Mixed Breed - Medium' },
{ id: 'mixed-large', name: 'Mixed Breed - Large' },
{ id: 'labrador', name: 'Labrador Retriever' },
{ id: 'golden', name: 'Golden Retriever' },
{ id: 'german-shepherd', name: 'German Shepherd' },
{ id: 'bulldog', name: 'Bulldog (English/French)' },
{ id: 'poodle', name: 'Poodle' },
{ id: 'beagle', name: 'Beagle' },
{ id: 'husky', name: 'Siberian Husky' },
{ id: 'boxer', name: 'Boxer' },
{ id: 'dachshund', name: 'Dachshund' },
{ id: 'chihuahua', name: 'Chihuahua' },
{ id: 'domestic-short', name: 'Domestic Shorthair' },
{ id: 'domestic-long', name: 'Domestic Longhair' },
{ id: 'siamese', name: 'Siamese' },
{ id: 'persian', name: 'Persian' },
{ id: 'maine-coon', name: 'Maine Coon' },
{ id: 'other', name: 'Other Breed' }
],
defaultValue: 'mixed-medium',
isRequired: true
}, '1fr');
});
petSection.addRow(row => {
row.addInteger('age', {
label: 'Pet Age (Years)',
min: 0,
max: 20,
defaultValue: 3,
isRequired: true
}, '1fr');
row.addDropdown('gender', {
label: 'Gender',
options: [
{ id: 'male', name: 'Male' },
{ id: 'female', name: 'Female' }
],
defaultValue: 'male'
}, '1fr');
});
petSection.addRow(row => {
row.addCheckbox('spayedNeutered', {
label: 'Spayed/Neutered',
defaultValue: true,
tooltip: 'Spayed/neutered pets may qualify for discounts'
}, '1fr');
row.addCheckbox('microchipped', {
label: 'Microchipped',
defaultValue: false,
tooltip: 'Some insurers offer microchip discounts'
}, '1fr');
});
// Coverage Section
const coverageSection = form.addSubform('coverage', { title: '🛡️ Coverage Options' });
coverageSection.addRow(row => {
row.addRadioButton('planType', {
label: 'Plan Type',
options: [
{ id: 'accident', name: 'Accident Only - Injuries, emergencies' },
{ id: 'accident-illness', name: 'Accident & Illness - Most common' },
{ id: 'comprehensive', name: 'Comprehensive - Includes wellness' }
],
defaultValue: 'accident-illness',
isRequired: true
});
});
coverageSection.addRow(row => {
row.addDropdown('annualLimit', {
label: 'Annual Coverage Limit',
options: [
{ id: '5000', name: '$5,000/year' },
{ id: '10000', name: '$10,000/year' },
{ id: '15000', name: '$15,000/year' },
{ id: '20000', name: '$20,000/year' },
{ id: 'unlimited', name: 'Unlimited' }
],
defaultValue: '10000',
tooltip: 'Maximum amount insurer pays annually'
}, '1fr');
row.addDropdown('deductible', {
label: 'Annual Deductible',
options: [
{ id: '100', name: '$100' },
{ id: '250', name: '$250' },
{ id: '500', name: '$500' },
{ id: '750', name: '$750' },
{ id: '1000', name: '$1,000' }
],
defaultValue: '250',
tooltip: 'Amount you pay before insurance kicks in'
}, '1fr');
});
coverageSection.addRow(row => {
row.addDropdown('reimbursement', {
label: 'Reimbursement Rate',
options: [
{ id: '70', name: '70%' },
{ id: '80', name: '80%' },
{ id: '90', name: '90%' },
{ id: '100', name: '100%' }
],
defaultValue: '80',
tooltip: 'Percentage of covered costs insurer pays'
});
});
// Add-ons Section
const addonsSection = form.addSubform('addons', { title: '✨ Optional Add-ons' });
addonsSection.addRow(row => {
row.addCheckbox('wellness', {
label: 'Wellness/Preventive Care',
defaultValue: false,
tooltip: 'Covers vaccines, annual exams, flea prevention',
isVisible: () => coverageSection.radioButton('planType')?.value() !== 'comprehensive'
}, '1fr');
row.addCheckbox('dental', {
label: 'Dental Coverage',
defaultValue: false,
tooltip: 'Covers dental cleanings and extractions'
}, '1fr');
});
addonsSection.addRow(row => {
row.addCheckbox('behavioral', {
label: 'Behavioral Therapy',
defaultValue: false,
tooltip: 'Covers training and behavioral issues'
}, '1fr');
row.addCheckbox('alternative', {
label: 'Alternative Therapies',
defaultValue: false,
tooltip: 'Acupuncture, physical therapy, chiropractic'
}, '1fr');
});
addonsSection.addRow(row => {
row.addCheckbox('prescription', {
label: 'Prescription Food',
defaultValue: false,
tooltip: 'Covers prescribed specialty diets'
}, '1fr');
row.addCheckbox('endOfLife', {
label: 'End-of-Life Care',
defaultValue: false,
tooltip: 'Covers euthanasia and cremation'
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Pricing Breakdown
const breakdownSection = form.addSubform('breakdown', { title: '📊 Premium Breakdown', isCollapsible: true });
breakdownSection.addRow(row => {
row.addPriceDisplay('basePremium', {
label: 'Base Premium',
computedValue: () => {
const petType = petSection.dropdown('petType')?.value() || 'dog';
const breed = petSection.dropdown('breed')?.value() || 'mixed-medium';
const age = petSection.integer('age')?.value() || 3;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
// Base rates by pet type
let baseRate = petType === 'dog' ? 35 : 25;
// Breed risk multipliers
const breedMultipliers: Record<string, number> = {
'mixed-small': 0.9, 'mixed-medium': 1, 'mixed-large': 1.1,
'labrador': 1.15, 'golden': 1.2, 'german-shepherd': 1.25,
'bulldog': 1.5, 'poodle': 1.1, 'beagle': 1.05,
'husky': 1.2, 'boxer': 1.3, 'dachshund': 1.15,
'chihuahua': 1.05, 'domestic-short': 0.9, 'domestic-long': 0.95,
'siamese': 1.1, 'persian': 1.2, 'maine-coon': 1.15, 'other': 1
};
baseRate *= breedMultipliers[breed] || 1;
// Age multipliers
if (age < 1) baseRate *= 1.1;
else if (age < 4) baseRate *= 1;
else if (age < 7) baseRate *= 1.2;
else if (age < 10) baseRate *= 1.5;
else baseRate *= 2;
// Plan type multipliers
const planMultipliers: Record<string, number> = {
'accident': 0.5, 'accident-illness': 1, 'comprehensive': 1.4
};
baseRate *= planMultipliers[planType] || 1;
return Math.round(baseRate * 100) / 100;
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('coverageAdjustment', {
label: 'Coverage Adjustment',
computedValue: () => {
const petType = petSection.dropdown('petType')?.value() || 'dog';
const breed = petSection.dropdown('breed')?.value() || 'mixed-medium';
const age = petSection.integer('age')?.value() || 3;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
const annualLimit = coverageSection.dropdown('annualLimit')?.value() || '10000';
const deductible = coverageSection.dropdown('deductible')?.value() || '250';
const reimbursement = coverageSection.dropdown('reimbursement')?.value() || '80';
// Calculate base first
let baseRate = petType === 'dog' ? 35 : 25;
const breedMultipliers: Record<string, number> = {
'mixed-small': 0.9, 'mixed-medium': 1, 'mixed-large': 1.1,
'labrador': 1.15, 'golden': 1.2, 'german-shepherd': 1.25,
'bulldog': 1.5, 'poodle': 1.1, 'beagle': 1.05,
'husky': 1.2, 'boxer': 1.3, 'dachshund': 1.15,
'chihuahua': 1.05, 'domestic-short': 0.9, 'domestic-long': 0.95,
'siamese': 1.1, 'persian': 1.2, 'maine-coon': 1.15, 'other': 1
};
baseRate *= breedMultipliers[breed] || 1;
if (age < 1) baseRate *= 1.1;
else if (age < 4) baseRate *= 1;
else if (age < 7) baseRate *= 1.2;
else if (age < 10) baseRate *= 1.5;
else baseRate *= 2;
const planMultipliers: Record<string, number> = { 'accident': 0.5, 'accident-illness': 1, 'comprehensive': 1.4 };
baseRate *= planMultipliers[planType] || 1;
// Coverage adjustments
const limitMultipliers: Record<string, number> = { '5000': 0.85, '10000': 1, '15000': 1.1, '20000': 1.2, 'unlimited': 1.35 };
const deductibleMultipliers: Record<string, number> = { '100': 1.2, '250': 1, '500': 0.85, '750': 0.75, '1000': 0.65 };
const reimbursementMultipliers: Record<string, number> = { '70': 0.85, '80': 1, '90': 1.15, '100': 1.3 };
const adjustment = baseRate * ((limitMultipliers[annualLimit] || 1) + (deductibleMultipliers[deductible] || 1) + (reimbursementMultipliers[reimbursement] || 1) - 3);
return Math.round(adjustment * 100) / 100;
},
variant: 'default'
}, '1fr');
});
breakdownSection.addRow(row => {
row.addPriceDisplay('addonsCost', {
label: 'Add-ons',
computedValue: () => {
let addons = 0;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
if (addonsSection.checkbox('wellness')?.value() && planType !== 'comprehensive') addons += 15;
if (addonsSection.checkbox('dental')?.value()) addons += 10;
if (addonsSection.checkbox('behavioral')?.value()) addons += 8;
if (addonsSection.checkbox('alternative')?.value()) addons += 12;
if (addonsSection.checkbox('prescription')?.value()) addons += 7;
if (addonsSection.checkbox('endOfLife')?.value()) addons += 5;
return addons;
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('discounts', {
label: 'Discounts',
computedValue: () => {
let discount = 0;
if (petSection.checkbox('spayedNeutered')?.value()) discount += 3;
if (petSection.checkbox('microchipped')?.value()) discount += 2;
return -discount;
},
variant: 'success'
}, '1fr');
});
// Quote Section
const quoteSection = form.addSubform('quote', { title: '💰 Your Quote', isCollapsible: false });
quoteSection.addRow(row => {
row.addPriceDisplay('monthlyPremium', {
label: 'Monthly Premium',
computedValue: () => {
const petType = petSection.dropdown('petType')?.value() || 'dog';
const breed = petSection.dropdown('breed')?.value() || 'mixed-medium';
const age = petSection.integer('age')?.value() || 3;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
const annualLimit = coverageSection.dropdown('annualLimit')?.value() || '10000';
const deductible = coverageSection.dropdown('deductible')?.value() || '250';
const reimbursement = coverageSection.dropdown('reimbursement')?.value() || '80';
let baseRate = petType === 'dog' ? 35 : 25;
const breedMultipliers: Record<string, number> = {
'mixed-small': 0.9, 'mixed-medium': 1, 'mixed-large': 1.1,
'labrador': 1.15, 'golden': 1.2, 'german-shepherd': 1.25,
'bulldog': 1.5, 'poodle': 1.1, 'beagle': 1.05,
'husky': 1.2, 'boxer': 1.3, 'dachshund': 1.15,
'chihuahua': 1.05, 'domestic-short': 0.9, 'domestic-long': 0.95,
'siamese': 1.1, 'persian': 1.2, 'maine-coon': 1.15, 'other': 1
};
baseRate *= breedMultipliers[breed] || 1;
if (age < 1) baseRate *= 1.1;
else if (age < 4) baseRate *= 1;
else if (age < 7) baseRate *= 1.2;
else if (age < 10) baseRate *= 1.5;
else baseRate *= 2;
const planMultipliers: Record<string, number> = { 'accident': 0.5, 'accident-illness': 1, 'comprehensive': 1.4 };
baseRate *= planMultipliers[planType] || 1;
const limitMultipliers: Record<string, number> = { '5000': 0.85, '10000': 1, '15000': 1.1, '20000': 1.2, 'unlimited': 1.35 };
const deductibleMultipliers: Record<string, number> = { '100': 1.2, '250': 1, '500': 0.85, '750': 0.75, '1000': 0.65 };
const reimbursementMultipliers: Record<string, number> = { '70': 0.85, '80': 1, '90': 1.15, '100': 1.3 };
baseRate *= limitMultipliers[annualLimit] || 1;
baseRate *= deductibleMultipliers[deductible] || 1;
baseRate *= reimbursementMultipliers[reimbursement] || 1;
// Add-ons
if (addonsSection.checkbox('wellness')?.value() && planType !== 'comprehensive') baseRate += 15;
if (addonsSection.checkbox('dental')?.value()) baseRate += 10;
if (addonsSection.checkbox('behavioral')?.value()) baseRate += 8;
if (addonsSection.checkbox('alternative')?.value()) baseRate += 12;
if (addonsSection.checkbox('prescription')?.value()) baseRate += 7;
if (addonsSection.checkbox('endOfLife')?.value()) baseRate += 5;
// Discounts
if (petSection.checkbox('spayedNeutered')?.value()) baseRate -= 3;
if (petSection.checkbox('microchipped')?.value()) baseRate -= 2;
return Math.max(Math.round(baseRate * 100) / 100, 10);
},
variant: 'large'
}, '1fr');
row.addPriceDisplay('annualPremium', {
label: 'Annual Premium',
computedValue: () => {
const petType = petSection.dropdown('petType')?.value() || 'dog';
const breed = petSection.dropdown('breed')?.value() || 'mixed-medium';
const age = petSection.integer('age')?.value() || 3;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
const annualLimit = coverageSection.dropdown('annualLimit')?.value() || '10000';
const deductible = coverageSection.dropdown('deductible')?.value() || '250';
const reimbursement = coverageSection.dropdown('reimbursement')?.value() || '80';
let baseRate = petType === 'dog' ? 35 : 25;
const breedMultipliers: Record<string, number> = {
'mixed-small': 0.9, 'mixed-medium': 1, 'mixed-large': 1.1,
'labrador': 1.15, 'golden': 1.2, 'german-shepherd': 1.25,
'bulldog': 1.5, 'poodle': 1.1, 'beagle': 1.05,
'husky': 1.2, 'boxer': 1.3, 'dachshund': 1.15,
'chihuahua': 1.05, 'domestic-short': 0.9, 'domestic-long': 0.95,
'siamese': 1.1, 'persian': 1.2, 'maine-coon': 1.15, 'other': 1
};
baseRate *= breedMultipliers[breed] || 1;
if (age < 1) baseRate *= 1.1;
else if (age < 4) baseRate *= 1;
else if (age < 7) baseRate *= 1.2;
else if (age < 10) baseRate *= 1.5;
else baseRate *= 2;
const planMultipliers: Record<string, number> = { 'accident': 0.5, 'accident-illness': 1, 'comprehensive': 1.4 };
baseRate *= planMultipliers[planType] || 1;
const limitMultipliers: Record<string, number> = { '5000': 0.85, '10000': 1, '15000': 1.1, '20000': 1.2, 'unlimited': 1.35 };
const deductibleMultipliers: Record<string, number> = { '100': 1.2, '250': 1, '500': 0.85, '750': 0.75, '1000': 0.65 };
const reimbursementMultipliers: Record<string, number> = { '70': 0.85, '80': 1, '90': 1.15, '100': 1.3 };
baseRate *= limitMultipliers[annualLimit] || 1;
baseRate *= deductibleMultipliers[deductible] || 1;
baseRate *= reimbursementMultipliers[reimbursement] || 1;
if (addonsSection.checkbox('wellness')?.value() && planType !== 'comprehensive') baseRate += 15;
if (addonsSection.checkbox('dental')?.value()) baseRate += 10;
if (addonsSection.checkbox('behavioral')?.value()) baseRate += 8;
if (addonsSection.checkbox('alternative')?.value()) baseRate += 12;
if (addonsSection.checkbox('prescription')?.value()) baseRate += 7;
if (addonsSection.checkbox('endOfLife')?.value()) baseRate += 5;
if (petSection.checkbox('spayedNeutered')?.value()) baseRate -= 3;
if (petSection.checkbox('microchipped')?.value()) baseRate -= 2;
return Math.max(Math.round(baseRate * 12 * 0.95 * 100) / 100, 120); // 5% annual discount
},
variant: 'success'
}, '1fr');
});
quoteSection.addRow(row => {
row.addTextPanel('savings', {
computedValue: () => 'Pay annually and save 5%!',
customStyles: { 'font-size': '0.9rem', 'color': '#059669', 'text-align': 'center' }
});
});
// Summary Section
const summarySection = form.addSubform('summary', {
title: '🐕 Summary',
isCollapsible: false,
sticky: 'bottom'
});
summarySection.addRow(row => {
row.addTextPanel('summaryText', {
computedValue: () => {
const petType = petSection.dropdown('petType')?.value() || 'dog';
const age = petSection.integer('age')?.value() || 3;
const planType = coverageSection.radioButton('planType')?.value() || 'accident-illness';
const reimbursement = coverageSection.dropdown('reimbursement')?.value() || '80';
const planLabels: Record<string, string> = {
'accident': 'accident-only', 'accident-illness': 'accident & illness', 'comprehensive': 'comprehensive'
};
return `${planLabels[planType]} coverage for your ${age}-year-old ${petType} at ${reimbursement}% reimbursement`;
},
customStyles: { 'font-size': '0.95rem', 'font-weight': '500', 'text-align': 'center', 'color': '#1e293b' }
});
});
summarySection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'Estimates only. Actual premiums vary by insurer and location. Pre-existing conditions excluded.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'text-align': 'center' }
});
});
form.configureSubmitButton({
label: 'Get Quotes'
});
}
Frequently Asked Questions
How much does pet insurance cost?
Pet insurance typically costs $20-60/month for dogs and $10-40/month for cats. Premiums vary based on breed, age, location, and coverage level. Older pets and certain breeds cost more to insure.
What does pet insurance cover?
Most plans cover accidents and illnesses including injuries, cancer, infections, and chronic conditions. Wellness plans add routine care like vaccines and dental cleanings. Pre-existing conditions are typically excluded.
Is pet insurance worth it?
Pet insurance provides financial protection against unexpected vet bills that can reach thousands of dollars. It's especially valuable for breeds prone to health issues or if you want peace of mind.
When should I get pet insurance?
The best time is when your pet is young and healthy. Premiums are lower, and you'll have coverage before any conditions develop. Many insurers cover pets as young as 8 weeks.