🇺🇸 United States · USD

Is pet insurance worth it for your small pet?

Ninety seconds. Your breed, your city, your emergency fund. We show the worst bill you are exposed to and whether premiums beat paying cash.

Breed-aware, city-priced

Why breed matters

Two small pets, same city, very different risk

Breed changes expected vet spend far more than most owners expect, because a handful of known conditions do most of the damage. Our breed pages show the conditions and typical bills behind each risk score. Browse breeds →

Next step

Get a real quote

Trupanion

Big surgeries and lifelong conditions

90% reimbursement, no payout caps, pays many US clinics directly at checkout.

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Lemonade Pet

Budget plans for young dogs

App-first, low base premiums, optional wellness add-ons for vaccines and dental.

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Embrace

Broad coverage incl. dental

Covers exam fees and dental illness, with a diminishing deductible each claim-free year.

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Healthy Paws

Simple unlimited coverage

One simple accident-and-illness plan, no annual or lifetime caps, fast claims.

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Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.

FAQ

How this works

How does the calculator decide?

It compares the worst single bill your breed is likely to face at your city's prices against your emergency fund, then weighs expected payouts against lifetime premiums.

Where do the premiums come from?

Published starter premiums for each breed size, adjusted by city price index and age. Real quotes vary; treat this as a range.

Should I buy before symptoms appear?

Yes. Every insurer excludes pre-existing conditions, so the value of a policy is highest the day you bring the small pet home.