Our estimates are based on thousands of actual pet insurance policies from major insurers. While actual quotes may vary slightly, our calculator provides estimates within 15% of typical premiums for similar pets in your area.
Different breeds have different predispositions to certain health conditions. For example, large dog breeds are more prone to hip dysplasia, while some cat breeds have higher risks of heart disease. Insurance companies factor these breed-specific risks into their pricing.
Basic: Accident coverage only
Standard: Accidents + illnesses (most common)
Premium: Accidents, illnesses, and wellness care (vaccinations, checkups)
Pet Care Checklist
🐶 Basic Care
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Fresh water available at all times
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High-quality pet food appropriate for age/size
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Regular feeding schedule (2-3 times daily for dogs, free feed or scheduled for cats)
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Clean food and water bowls daily
🏥 Health Maintenance
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Annual veterinary check-up
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Vaccinations up to date
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Monthly flea/tick prevention
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Heartworm prevention (for dogs)
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Regular dental care (brushing or dental treats)
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Microchip and ID tags with current information
🏡 Home Environment
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Safe, comfortable sleeping area
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Regularly cleaned litter box (for cats)
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Pet-proofed home (secure trash, toxic plants removed, etc.)
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Appropriate toys for mental stimulation
🐕 Exercise & Grooming
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Daily exercise appropriate for breed/age
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Regular brushing (frequency depends on coat type)
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Bathing as needed (typically every 4-6 weeks for dogs)
