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Vet bill simulator

Pet insurance or a savings pot?

See what five years looks like both ways if your pet needs one big operation.

Example only. Surgery for a blocked bladder or a swallowed object often costs thousands. Ask your vet for local prices.

After 5 years

Savings pot left

-£1,200

Total paid with insurance

£1,615

Premiums, excess and anything over the limit

Savings shortfall when the bill comes

£2,280

What you'd need to find on the day

Year by year

Savings: £360 Insurance paid: £240 Year 1 Savings: -£2,280 Insurance paid: £654 Year 2 Savings: -£1,920 Insurance paid: £944 Year 3 Savings: -£1,560 Insurance paid: £1,264 Year 4 Savings: -£1,200 Insurance paid: £1,615 Year 5

■ Savings pot balance (below the line means you are short) · ■ Total paid with insurance

  • Year 1Savings £360 · Insurance £240
  • Year 2Savings -£2,280 · Insurance £654
  • Year 3Savings -£1,920 · Insurance £944
  • Year 4Savings -£1,560 · Insurance £1,264
  • Year 5Savings -£1,200 · Insurance £1,615

Things to know

  • Lifetime policies renew cover for ongoing conditions each year. Time-limited and maximum benefit policies stop paying for a condition after a set time or amount.
  • Check for waiting periods (often 14 days for illness), dental cover, and whether the excess is per condition or per year.
  • Prices usually go up as your pet gets older.

A rough guide for planning only, not financial or insurance advice. Petavilo is not authorised by the Financial Conduct Authority and is not a licensed insurance producer. Always read the policy documents before you buy.