Pet Insurance Calculator

Pet insurance premiums vary based on the type of pet (dog/cat), breed, age, coverage level, and deductible amount. Large dogs typically cost 1.5–2× more than small dogs, and premiums increase about 1.3–1.6× for pets over 7 years old.

Cats generally live indoors and visit the vet less frequently than dogs. They also have longer average lifespans and different genetic disease patterns. Generally, cats are cheaper to insure than dogs, though this varies by insurer and coverage.

Basic covers exams and surgery only (max 5M KRW), Standard adds hospitalization (max 10M KRW), Premium covers up to 20M KRW with partial death benefits, and Gold offers unlimited coverage with full death benefits. Monthly costs differ by roughly 1.5–2× between tiers.

Yes. Choosing a higher deductible (e.g., 200K KRW vs 50K KRW) reduces the insurer's risk, so your monthly premium can be about 15–20% cheaper. This strategy works well for healthy pets that don't visit the vet frequently.

Golden Retrievers, Rollies, French Bulldogs and similar breeds have higher rates of genetic conditions (joint issues, respiratory problems, skin conditions). Insurers classify them as higher-risk, resulting in elevated base premiums.

Enrolling while your pet is young (1–3 years old) is optimal for three reasons: (1) lower premiums, (2) no pre-existing conditions to exclude, and (3) immediate coverage for accidents or illness. It becomes significantly harder to enroll or get full coverage once a pet reaches 7+ years.