What Will Your Pet Actually Cost? Get the Lifetime Number.
Veterinary costs, insurance optimization, and emergency fund modeling — breed-specific, not generic.
Free basic estimate. No signup required. Data from NAPHIA, AVMA, OFA/CHIC, BLS.
Actuarial-Grade Pet Economics
The same expected-value and risk modeling used by insurance actuaries -- applied to your specific breed, age, and location.
Lifetime Cost of Ownership
Total pet costs across the full lifespan by breed: food, routine vet care, grooming, training, boarding, supplies, and licensing -- all escalated at breed-specific BLS CPI rates.
Breed Morbidity Tables
Actuarial-style health tables for 200+ dog breeds and 40+ cat breeds. Age-onset probability curves for top conditions, from OFA/CHIC and Banfield longitudinal data.
Insurance Expected Value
Is pet insurance worth it for YOUR breed? We compute the expected payout minus premium cost over the pet's remaining lifespan. High-morbidity breeds are strongly positive-EV.
Monte Carlo Vet Cost Simulation
10,000 lifetime simulations per breed drawing health events from morbidity tables. See median, P10, P75, and P90 lifetime vet spend -- and the probability of a $10K+ single-year bill.
Policy Optimizer
Explore the deductible/reimbursement-rate/annual-cap Pareto frontier. We find the optimal insurance configuration for your breed's risk profile and your risk tolerance.
Emergency Fund Calculator
For self-insure owners: the recommended emergency fund size based on your breed's P90 single-year vet cost. Compares opportunity cost of cash vs. insurance premium stream.
How It Works
Enter Your Pet
Select breed, age, sex, and ZIP code. Add insurance details if you already have a policy. Takes about 2 minutes.
We Analyze the Data
Breed morbidity tables, Monte Carlo vet cost simulation, insurance expected value calculation, and policy optimization -- all automated.
See Your True Costs
Lifetime cost breakdown, insurance recommendation with EV analysis, optimal policy configuration, and a downloadable PDF with the complete analysis.
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Ready to Know Your Pet's True Cost?
Enter your pet's breed and get a complete financial analysis. Lifetime cost projection, insurance expected value, optimal policy configuration, emergency fund sizing, and breed comparison -- all in one report.
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