Pet Insurance ROI Calculator Excel — Compare Premiums vs Self-Insuring Over Your Pet's Life

Pet insurance premiums have tripled industry-wide since 2018, yet fewer than 5% of pets are insured — meaning most owners are deciding without ever comparing the real numbers. This spreadsheet models your specific plan (premium, deductible, reimbursement rate, payout limit) against your pet's expected annual vet claims over a period you choose, including the option to add one major unexpected event (like a surgery) in a specific year. Calculates total cost with insurance vs. total cost self-insured side by side, plus the exact average annual claim amount needed to break even on your premiums — so you can make the decision with real math, not a gut feeling.

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