🛡️ Pet Insurance Calculator
Compare insurance vs self-insuring. See break-even vet costs and a multi-year cost projection.
Recommendation
✗ Self-Insure
Self-insuring saves ~$220/yr; build an emergency fund instead.
Year 1 – Expected Value Scenario
Without insurance (EV)$1,050.00
With insurance (EV out-of-pocket)$1,270.00
Self-insuring saves$220.00/yr
Break-even at $1,325 annual vet costs · Annual premium: $660.00
5-Year Projection
| Year | No ins. (cum.) | With ins. (cum.) |
|---|---|---|
| 1 | $1,050 | $1,270 |
| 2 | $2,132 | $2,579 |
| 3 | $3,245 | $3,930 |
| 4 | $4,393 | $5,323 |
| 5 | $5,575 | $6,762 |
| Self-insuring total savings | $1,187 | |
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