Pet Insurance Cost Estimator

Is Pet Insurance Worth It?

The average dog owner spends $1,500–$4,000 on an unexpected emergency. A single surgery can cost $3,000–$10,000. Pet insurance makes sense if: your pet is young and healthy (lower premiums), you want predictable costs, or you would treat serious illness. Cats are generally cheaper to insure than dogs.

• Best time to buy: when your pet is a puppy/kitten — before pre-existing conditions
• Policies don't cover pre-existing conditions, so buy early
• Annual deductible plans are often better value than per-incident plans