Compare Pet Insurance Plans Side by Side

Choosing insurance means comparing what you pay against what you would get, and the calculator puts every plan on one sheet. For each plan it totals the premiums over your horizon (a 5-year view is the most useful), then simulates claims of realistic sizes — $500, $3,000 and $10,000 — showing what each plan pays after deductible and reimbursement percentage, and where the annual limit cuts the payout off. That simulation exposes the trade-offs a price tag hides: a cheap plan with 60% reimbursement and a $10,000 cap can cost you more in one bad year than a pricier 90%-unlimited plan. Worked example: two plans at $25 and $45 per month both face a $3,000 cruciate claim — plan A (60%, $500 deductible) pays $1,500; plan B (90%, $250) pays $2,475 — a $975 difference per claim that quickly erases the $20 monthly saving.

1. 1

   Step 1

   Enter up to three plans with premium, deductible and reimbursement

2. 2

   Step 2

   Set the comparison horizon — 3, 5 or 10 years

3. 3

   Step 3

   Read the total premium cost and simulated payouts side by side

4. 4

   Step 4

   Check the worst-case line: a claim that exceeds the annual limit

• 1

  Simulate the same claim on every plan

• 2

  Annual limits bite hardest in the worst years

• 3

  Premium savings can hide reimbursement gaps

• 4

  Wellness riders deserve their own math

• Comparing monthly premiums alone

• Ignoring the annual payout limit

• Forgetting age-based renewal increases

• Assuming the quoted price lasts the pet's life