Pet Insurance Cost Comparison
Estimate insurance premiums by breed, age, and health risk profile. Includes a self-insure breakeven analysis.
: Health Risk
Estimated Monthly Premiums
Accident-Only Coverage
Covers injuries from accidents only
Comprehensive Coverage
Accidents, illness, hereditary conditions
Health Conditions for
Insurance Cost vs. Average Vet Bills
Annual Insurance (Comprehensive)
Average Annual Vet Bills
Self-Insure vs. Insurance Breakeven
If you put your monthly premium into a savings account instead, would you come out ahead?
Lifetime Insurance Cost
Expected Major Health Costs
Coverage Comparison
| Feature | Accident-Only | Comprehensive |
|---|---|---|
| Broken bones & injuries | Covered | Covered |
| Poisoning & emergencies | Covered | Covered |
| Illness & infections | Not covered | Covered |
| Cancer treatment | Not covered | Covered |
| Hereditary conditions | Not covered | Covered |
| Surgery | Accident only | Covered |
| Routine/wellness care | Not covered | Add-on available |
Updated March 2026. Insurance estimates are averages and may vary by provider.