{
  "id": "v20-uk-pet-insurance",
  "version": "20.16.0",
  "name": "Pet Insurance Cost Comparison Calculator — United Kingdom",
  "shortName": "Pet Insurance Cost Comparison",
  "description": "Compare one veterinary-cost scenario under a policy with an annual deductible, reimbursement percentage and insurer-payment cap. GBP planning view; stated limitations apply.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "pet-insurance",
    "uk",
    "insurance-consumer",
    "insurance-terms"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/v20-uk-pet-insurance.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "20.16.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.",
  "urls": {
    "page": "/uk/pet-insurance/",
    "definition": "/uk/pet-insurance/definition.json",
    "schema": "/uk/pet-insurance/schema.json",
    "llms": "/uk/pet-insurance/llms.txt",
    "legacyDefinition": "/uk/pet-insurance/definition.json"
  },
  "queryExample": "https://askcalculators.com/uk/pet-insurance/?annualPremium=600&eligibleVet=1500&excludedVet=200&deductible=250&reimbursement=80&annualBenefitLimit=5000",
  "queryParameters": {
    "annualPremium": {
      "label": "Actual annual premium",
      "type": "money",
      "required": true,
      "default": 600
    },
    "eligibleVet": {
      "label": "Annual eligible veterinary charges",
      "type": "money",
      "required": true,
      "default": 1500
    },
    "excludedVet": {
      "label": "Excluded/non-covered charges",
      "type": "money",
      "required": true,
      "default": 200
    },
    "deductible": {
      "label": "Annual deductible",
      "type": "money",
      "required": true,
      "default": 250
    },
    "reimbursement": {
      "label": "Reimbursement after deductible",
      "type": "percent",
      "required": true,
      "default": 80
    },
    "annualBenefitLimit": {
      "label": "Annual insurer benefit limit",
      "type": "money",
      "required": true,
      "default": 5000
    }
  },
  "inputs": [
    {
      "id": "annualPremium",
      "label": "Actual annual premium",
      "type": "money",
      "defaultValue": 600,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "eligibleVet",
      "label": "Annual eligible veterinary charges",
      "type": "money",
      "defaultValue": 1500,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "excludedVet",
      "label": "Excluded/non-covered charges",
      "type": "money",
      "defaultValue": 200,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "deductible",
      "label": "Annual deductible",
      "type": "money",
      "defaultValue": 250,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "reimbursement",
      "label": "Reimbursement after deductible",
      "type": "percent",
      "defaultValue": 80,
      "required": true,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "annualBenefitLimit",
      "label": "Annual insurer benefit limit",
      "type": "money",
      "defaultValue": 5000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "GBP",
      "help": "Illustrative starting value; replace with your own evidence."
    }
  ],
  "outputs": [
    {
      "id": "insurerBenefit",
      "label": "Modeled insurer reimbursement",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "ownerVet",
      "label": "Owner veterinary out-of-pocket",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "insuredTotal",
      "label": "Premium plus modeled out-of-pocket",
      "format": "currency",
      "digits": 2,
      "primary": true,
      "currency": "GBP"
    },
    {
      "id": "uninsuredTotal",
      "label": "Same veterinary charges without insurance",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    },
    {
      "id": "difference",
      "label": "Insured minus uninsured scenario",
      "format": "currency",
      "digits": 2,
      "currency": "GBP"
    }
  ],
  "formula": {
    "expression": "benefit = minimum(annual benefit limit, maximum(0, eligible charges − annual deductible) × reimbursement fraction).",
    "note": "Inputs are converted to canonical units before evaluating this stated formula."
  },
  "examples": [
    {
      "label": "Illustrative defaults; required verification checks remain unconfirmed",
      "inputs": {
        "unitSystem": "metric",
        "annualPremium": 600,
        "eligibleVet": 1500,
        "excludedVet": 200,
        "deductible": 250,
        "reimbursement": 80,
        "annualBenefitLimit": 5000
      }
    }
  ],
  "sources": [
    {
      "label": "NAIC consumer insurance resources",
      "url": "https://content.naic.org/consumer"
    },
    {
      "label": "NAIC insurance glossary",
      "url": "https://content.naic.org/glossary-insurance-terms"
    }
  ],
  "publicSlug": "pet-insurance",
  "namespace": "uk",
  "countries": [
    "us",
    "ca",
    "uk",
    "ie"
  ]
}