Pet Insurance Cost Calculator

See how the annual limit, deductible and reimbursement rate change what you pay for pet insurance. Prices are based on real quotes we ran on October 29, 2026, for ZIP code 83651.

How to use the calculator

• Annual limit is the most the insurer will pay in a year. Higher limits cost more, but protect you from very large bills such as cancer treatment.
• Annual deductible is what you pay each year before coverage starts. A higher deductible lowers your monthly price.
• Reimbursement rate is the share of each bill the insurer pays after the deductible.
• Vet bill slider shows your total cost for the year, including premiums, with and without insurance.

What we learned building it

• The deductible moves the price most. On Embrace, going from a $250 to a $1,000 deductible cut the premium by about 42%.
• Unlimited coverage is cheaper than many expect. It cost about 40% more than a $5,000 limit for the same pet.
• Going from 80% to 90% reimbursement added about 11% to the price.

These ratios held exactly across every pet and age we tested on Embrace. Other insurers price differently: Fetch, for example, charged about 23% more to raise the limit from $5,000 to $10,000, compared with 13% on Embrace.

Get real quotes

The calculator gives estimates for sample pets. For your own price, get quotes from at least two insurers using the same settings.

Related guides: dog insurance cost, cat insurance cost, is pet insurance worth it?, Embrace vs Fetch, and breed guides for the Labrador, golden retriever, French bulldog, German shepherd, dachshund, goldendoodle, English bulldog, Rottweiler and Australian shepherd, plus Maine coon, Persian and Siamese cats.

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