See your real payout after deductible and copay.
Estimate only. Actual premiums and payouts vary by insurer and pet.
We subtract your deductible from the bill, apply your reimbursement rate, then cap the result at your annual limit to show your reimbursement and out-of-pocket.
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Most pet insurance is reimbursement-based: you pay the vet, then get money back. The payout isn’t the whole bill. First your annual deductible is subtracted, then your reimbursement rate (commonly 70-90%) is applied, and finally the result is capped at your annual limit. This calculator runs that exact sequence so you know your real out-of-pocket.
Deductible, reimbursement rate and annual limit define your plan more than the premium does. A low premium with a high deductible and an 70% rate can leave you paying far more on a big claim than a slightly pricier 90% plan. Compare plans on these terms, not just the monthly cost.
Bill minus deductible, times your reimbursement rate, capped at the annual limit.
Commonly 70%, 80% or 90%, higher rates cost more in premium.
Yes, a low limit can cap payouts on a major claim.
No, it's an estimate; read your policy.