← Honed Money

Pet insurance,
priced honestly.

Compare the premiums and vet costs you may pay with insurance against paying the same expected bills yourself.

Your estimate

Use bills the policy would normally cover. Leave routine care out unless your plan includes it.

$
$
%
The share paid after your deductible
$
years
Your remaining expected coverage period

See the tradeoff clearly

Enter your policy terms and expected bills. Your comparison will appear here.

ESTIMATED DIFFERENCE

WITH INSURANCE
PAYING YOURSELF
Premiums over the full period
Estimated insurer payments
You pay toward vet bills
Annual bill level where costs are equal

Explain these results

  • We assume the same premium and vet bills each year.
  • We apply the deductible once each year, then the reimbursement rate to the remaining covered bills.
  • We do not include annual or lifetime payout caps, exclusions, copays, premium increases, taxes, or investment returns.

For informational and educational purposes only. This estimate is not insurance, financial, veterinary, or legal advice. Policy terms, covered care, exclusions, waiting periods, and future costs vary. Review the actual policy and your pet’s needs before deciding.

Last reviewed: October 2026.