Pet insurance cost estimator
Get an illustrative monthly cost band for pet insurance based on your pet and cover preferences. This is not a quote — real prices vary by insurer and individual circumstances.
Assumptions and methodology
Uses an illustrative weighted model with base monthly bands by pet type and age, multiplied by factors for cover type, vet-fee limit, dog breed size, and region. Bands are anchored to published ABI averages where available, and labelled as illustrative. A multi-pet discount of ~10% is applied where selected. All values are kept in config/assumptions.ts.
Common mistakes to avoid
- ✕Comparing only the monthly premium without considering the vet-fee limit and cover type.
- ✕Choosing a low-cost policy without checking whether it suits an older pet that may develop chronic conditions.
- ✕Not reading the exclusions — particularly for hereditary or breed-specific conditions.
Frequently asked questions
Real pet insurance premiums depend on many individual factors that insurers assess differently, including your postcode, your pet's specific breed, and any existing health information you provide. This tool gives an illustrative range to help you understand relative cost factors.
Yes, typically. Premiums rise with age because older pets are more likely to need treatment. This is reflected in the age band used in this calculator.
Yes. Pet insurance is subject to Insurance Premium Tax at the standard 12% rate. This is included in the premium you pay.
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Pet Excess and Co-payment Calculator
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General tools
Insurance Premium Tax Calculator
Add or extract Insurance Premium Tax at the standard (12%) or higher (20%) UK rate.
Sources
- Association of British Insurers (ABI) — Average insurance premium data (verified January 2026)
Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.