About Brevanti
Pet ownership economics, demystified
Brevanti uses NAPHIA claims data, OFA/CHIC breed health databases, and actuarial modeling to help you understand the true lifetime cost of pet ownership -- and whether pet insurance is worth it for your specific breed and situation.
The Problem
Veterinary costs are rising 2x faster than general inflation. 96% of pet owners in the US are uninsured. Most pet cost calculators use simple national averages that ignore breed-specific health risks -- a French Bulldog and a Labrador have vastly different lifetime cost profiles. Pet insurance comparison sites are paid by insurers and rarely tell you when self-insuring is the better economic choice.
Our Approach
We build actuarial-style morbidity tables for 200+ dog breeds and 40+ cat breeds using OFA/CHIC prevalence data and Banfield longitudinal health studies. For each breed, we run 10,000 Monte Carlo lifetime simulations drawing random health events from the morbidity table at age-appropriate probabilities, escalating costs at BLS veterinary CPI rates. The result is a complete cost distribution -- median, P10, P75, P90 -- so you can plan for your breed's specific risk profile, not just the average.
Our Values
Data Integrity
We use only authoritative NAPHIA, AVMA, OFA/CHIC, and BLS data sources. Every cost estimate traces back to published industry datasets -- no proprietary black boxes.
Accessible Intelligence
Pet cost data has been scattered across breed-specific forums and insurance marketing. We aggregate, normalize, and model it so every pet owner can make informed decisions.
Honest Assessment
We do not sugarcoat pet costs. Monte Carlo simulations show expected and worst-case scenarios. Some breeds are negative-EV for insurance -- we tell you that directly.
Developer-First
Every feature available to pet owners is also available through our REST API. Build pet cost analysis into your own applications.
Part of Smart Technology Investments
Brevanti is a product of Smart Technology Investments LLC, a research-driven company building decision intelligence tools that help consumers make better financial decisions using data that was always available but never accessible.
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