Brevanti

Documentation

Understand how Brevanti calculates pet ownership costs, or integrate our analysis engine into your own application via the REST API.

Quickstart

Enter your pet details and get a cost analysis in under 2 minutes.

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Lifetime Cost Model

How we calculate total pet ownership costs across food, vet care, grooming, supplies, boarding, and insurance.

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Monte Carlo Simulation

10,000 lifetime simulations per breed drawing health events from morbidity tables at age-appropriate probabilities.

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Insurance Expected Value

How we compute E[payout] - E[premium] to determine if insurance is worth it for your breed.

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Breed Morbidity Tables

Actuarial-style health tables for 200+ dog and 40+ cat breeds from OFA/CHIC and Banfield data.

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Emergency Fund Calculator

Recommended emergency fund size based on breed P90 single-year vet cost vs. insurance premium opportunity cost.

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API Endpoints

POST/v1/calculate
GET/v1/breeds/:breed
GET/v1/breeds/search
POST/v1/insurance-ev
POST/v1/signup
POST/v1/login
GET/v1/account
POST/v1/checkout

Authentication

All API requests require an API key passed via the X-API-Key header.

curl https://brevanti-api.smarttechinvest.com/v1/breeds/labrador-retriever \
  -H "X-API-Key: bvt_your_api_key_here"

Lifetime Cost of Ownership Model

For each breed and age combination, we compute total lifetime cost as:

LTCO = Sum(Food + Vet + Grooming + Supplies + Training + Boarding + Insurance + Licensing) * CPI_escalation * remaining_years

Each cost category is calibrated by breed size class (toy/small/medium/large/giant), coat type, and geographic region using BLS Veterinary Services CPI and AVMA demographic data. Costs are escalated at category-specific inflation rates, not a single general CPI.

Monte Carlo Simulation

Rather than a single point estimate, Brevanti runs 10,000 lifetime simulations per breed. Each simulation draws random health events from the breed's morbidity table at age-appropriate probabilities, applies lognormal veterinary cost distributions calibrated from NAPHIA claims data, and escalates costs at BLS vet CPI rates with stochastic variance.

  • Median (P50) -- the typical lifetime cost
  • P10 (optimistic) -- the 10th percentile, a healthy pet scenario
  • P75 -- the 75th percentile, one standard deviation above median
  • P90 (conservative) -- your worst-case planning number
  • Probability of $10K+ year -- chance of a single catastrophic vet year

Insurance Expected Value Analysis

For each breed, we compute E[insurance_payout] - E[premium_cost] over the remaining lifespan. High-morbidity breeds (French Bulldogs, Cavaliers, Bernese Mountain Dogs) are strongly positive-EV for insurance. Healthy breeds with low morbidity are often negative-EV, meaning self-insuring is the better economic choice.

We also explore the deductible/reimbursement-rate/annual-cap Pareto frontier to find the optimal insurance configuration for your breed's risk profile and your stated risk tolerance.

Breed Morbidity Tables

Each breed gets an actuarial-style morbidity table with: expected lifespan, age-onset probability curves for top 5 conditions, expected cost per condition from NAPHIA claims averages, and condition severity distribution. Data sources include the OFA/CHIC database (hip dysplasia, cardiac, eyes), Banfield longitudinal health studies, and AVMA breed longevity data.

Emergency Fund Calculator

For owners who choose to self-insure, we compute the recommended emergency fund size as the breed's P90 single-year vet cost multiplied by a safety factor. We then compare the opportunity cost of holding that cash (invested at the risk-free rate) against the insurance premium stream to give you a clear financial comparison.