Pet Insurance Calculator
Our pet insurance calculator estimates annual cover for dogs and cats. Lifetime cover pays vet bills up to a set limit per condition per year — protecting against expensive chronic conditions costing £5,000-£20,000+ over a pet lifetime.
Pet Insurance Calculator
Estimate the annual cost of insuring your dog or cat based on species, breed, age and cover type.
Estimates are indicative. Premiums vary by insurer, postcode, and health history. Compare providers before buying.
Enter your pet species, breed, and age. Premium drivers include breed (some breeds are significantly more prone to hereditary conditions), age (older pets cost more to insure), and cover level. Lifetime policies provide ongoing cover for chronic conditions throughout the pet’s life — crucial for conditions such as diabetes, epilepsy, or cancer which require long-term treatment. Annual policies renew each year and can exclude conditions treated in the previous policy year, potentially leaving a chronically ill pet uninsured when care is most needed. Consider the excess carefully — both a fixed excess and a percentage co-payment (often 20-35%) apply in most policies. Breed-specific hereditary conditions are often excluded, so review the policy wording for your specific breed before purchase.