Short version: the calculators here are for planning, not underwriting, and using the site means you accept the points below.
The Pet Insurance Cost Calculator, the Is It Worth It tool, the Vet Cost Estimator, the Reimbursement Calculator, the Texas premium estimator, and every state-adjusted cost page on this site produce modeled estimates built from published rate data and industry averages. None of them are a quote from a licensed insurer, and none of them bind anyone to a price.
Nothing on this site is veterinary, financial, or legal advice. Deciding whether to buy a policy, which insurer to choose, or whether a symptom needs a vet visit are decisions for you and a licensed professional, not for a calculator.
We source figures from named references, MoneyGeek, NAPHIA, the American Heartworm Society, the AVMA, and similar, and update them when we notice they have drifted. Even so, the site and every tool on it are provided as is, with no guarantee that a number matches what you will be quoted or billed.
We are not liable for decisions made based on an estimate from this site, or for outcomes tied to third-party insurers, clinics, or services linked from these pages.
Some outbound links are affiliate links. If you buy a policy or product after clicking one, we may earn a commission. That arrangement does not change which numbers we publish or how a calculator is built.
We may update this page as the site changes. Continuing to use the calculators after an update means the new version applies to you.