{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/us/pet-insurance/schema.json",
  "title": "Pet Insurance Cost Comparison Calculator — United States inputs",
  "description": "Compare one veterinary-cost scenario under a policy with an annual deductible, reimbursement percentage and insurer-payment cap. USD planning view; stated limitations apply.",
  "type": "object",
  "properties": {
    "annualPremium": {
      "title": "Actual annual premium",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 600,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "eligibleVet": {
      "title": "Annual eligible veterinary charges",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 1500,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "excludedVet": {
      "title": "Excluded/non-covered charges",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 200,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "deductible": {
      "title": "Annual deductible",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 250,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    },
    "reimbursement": {
      "title": "Reimbursement after deductible",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 80,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "annualBenefitLimit": {
      "title": "Annual insurer benefit limit",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 5000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "USD",
      "x-unit": "currency"
    }
  },
  "required": [
    "annualPremium",
    "eligibleVet",
    "excludedVet",
    "deductible",
    "reimbursement",
    "annualBenefitLimit"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.16.0",
    "calculatorUrl": "https://askcalculators.com/us/pet-insurance/",
    "queryExample": "https://askcalculators.com/us/pet-insurance/?annualPremium=600&eligibleVet=1500&excludedVet=200&deductible=250&reimbursement=80&annualBenefitLimit=5000",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "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."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/v20-us-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."
    },
    "outputs": {
      "insurerBenefit": {
        "title": "Modeled insurer reimbursement",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "ownerVet": {
        "title": "Owner veterinary out-of-pocket",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "insuredTotal": {
        "title": "Premium plus modeled out-of-pocket",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2,
        "x-primary": true
      },
      "uninsuredTotal": {
        "title": "Same veterinary charges without insurance",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      },
      "difference": {
        "title": "Insured minus uninsured scenario",
        "type": "number",
        "x-format": "currency",
        "x-currency": "USD",
        "x-digits": 2
      }
    }
  }
}