Pet insurance cost calculator
Pick a breed, age, and state for an estimated monthly premium range. This is a range based on published sample pricing, not a quote.
$42 to $73 / month
About $504 to $876 a year. Ranges reflect the breed's cost profile and California vet costs; your real premium depends on the plan, deductible, and reimbursement rate you choose.
The monthly range starts from each breed's published sample-pricing tier nearest your selected age, then multiplies by a state factor (your state's average annual vet cost divided by the national median, clamped 0.8 to 1.6). It assumes a $500 deductible, 80% reimbursement, and an unlimited annual max, before any wellness add-on. Source data: NAPHIA 2024 industry rate tables and carrier sample-pricing pages, breed dataset last verified 2026-05-18. This is a modeled range, not a quote: the carrier underwrites the real number based on the plan, deductible, reimbursement rate, and any pre-existing-condition notes on file. See how we review for the full methodology.
The calculator's modeled curve assumes the policy structure Healthy Paws is best known for in the dataset: a single plan with no per-incident, annual, or lifetime payout cap. That means the number above is the closest like-for-like comparison to a Healthy Paws quote, which is why their site is the default destination. Per our editorial standards, no carrier paid for this placement. If your situation pulls toward a per-condition deductible (Trupanion), a wellness add-on (Embrace, Pets Best), or a lower entry price (Lemonade), the matching breed and coverage pages name those carriers in context.
Get a quote on the Healthy Paws site