Pet Insurance Premium Estimator

Estimate your pet's monthly insurance premium in 30 seconds.

Pet insurance premiums vary by 5× between low-risk and high-risk pets — a young mixed-breed cat in a rural area can be insured for €10/month, while a 9-year-old French Bulldog in a city can cost €100+. This calculator gives an evidence-based estimate based on species, breed risk, age, neutered status and country, so you know what to expect before quoting.

Estimated monthly premium —

Annual cost: —
Range (low–high): —
Big factors: —

Always combine calculator results with veterinary advice. This tool is for guidance only.

How this calculator works

The estimator combines five factors that all major insurers use:

Species: dogs are typically 1.5–2× the cost of cats.
Breed risk: Bulldogs, French Bulldogs and Pugs are 2–3× higher than mixed breeds; Persians similarly for cats.
Age: premiums rise sharply after age 7. Some insurers won't take new pets over age 8.
Cover level: Lifetime is 1.5–2× a time-limited policy but pays out for chronic conditions year after year.
Country: US is generally most expensive, EU/UK mid, depending on local vet costs.

Always quote 3+ providers — same pet, same cover, premiums can vary by 30%+.

Frequently asked questions

Should I get insurance or self-insure?

For most pets, insurance is worthwhile — average lifetime claim is €3,000–€5,000 and a single emergency surgery can exceed €4,000. Self-insurance only makes sense if you can comfortably set aside €60+/month and never touch it.

Why does the premium go up every year?

Age (claim risk rises) and inflation in vet costs. Lifetime policies typically rise 8–15% per year — this is normal industry-wide.

Are pre-existing conditions covered?

Almost never. Insure your pet young and stay continuously insured to keep conditions covered.