Affiliate Disclosure
Effective date: October 20, 2026
PetCostHub believes in being clear about how this site earns money. This follows Federal Trade Commission guidance on material connections.
We May Earn Commissions
Some links on PetCostHub are affiliate links. If you click one and later buy a policy, we may earn a commission from that provider or its affiliate network. Programs we may participate in include networks such as Impact, CJ, and Awin, as well as individual provider programs.
Using an affiliate link costs you nothing extra. The price you pay is set by the provider and is the same whether or not you arrived through our link. Not every provider or link here is an affiliate relationship, and that does not determine coverage.
Commissions Never Change Our Estimates or Data
Commissions never change our estimates, our data, or how results are calculated. Our estimates come from published data and our estimation model, as described on our Methodology page. The same formula, a breed base premium adjusted by a state factor and an age-band adjustment, is applied the same way for every breed and state, regardless of whether any provider pays us, how much a program pays, or whether a program exists at all. We do not sell higher placements in our data, and a provider cannot pay to have its costs shown as lower.
We apply the same rule to any guides or comparisons under our Editorial Policy: editorial work is done independently of affiliate relationships.
Where You Will See This Disclosure
A short disclosure appears near the top of pages that contain affiliate links, and this full disclosure is linked in the footer of every page, so you can find it before you click. If a page contains a paid promotion distinct from standard affiliate links, we will label it clearly on that page.
Affiliate income helps keep PetCostHub free, without sign-ups. It does not make us an agent of any provider; any quote, purchase, or claim is solely between you and that provider.
Questions
If you have a question about this disclosure or believe a link was not properly identified, contact us at petcosthub@gmail.com or through our Contact page.