Pet Insurance: Premium Is Only Part of the Price
Comparing monthly premiums alone hides the excess you pay when claiming. Adding one excess to each annual premium gives a fairer first comparison.
What is the Pet Insurance Comparison?
Enter monthly premium and excess for two plans, and the tool compares annual cost including one excess payment. This is a simplified estimate for comparison, not insurance advice, since cover limits, exclusions, and claim rules matter as much as price.
How to use it
- Enter monthly premium and excess for Plan A.
- Do the same for Plan B.
- Click Compare Insurance Plans.
Worked example
Plan A at 30 a month plus a 100 excess totals 460 a year, while Plan B at 25 a month plus a 150 excess totals 450, so B is cheaper by 10 on this simplified comparison.
Why only one excess?
One claim a year is a simple, transparent assumption. Plans with per-condition excesses behave differently across multiple claims.
Frequently asked questions
Is this insurance advice?
No. It is a simplified price comparison. Cover limits and exclusions can matter more than a small price gap.
What else should I compare?
Annual and lifetime limits, dental cover, pre-existing condition rules, and how premiums rise with age.