Terms of Use
Effective date: October 20, 2026
Welcome to PetCostHub (petcosthub.com). By using this site, you agree to these Terms of Use. If you do not agree, please do not use the site. We may update these terms.
What PetCostHub Is
PetCostHub is an informational website that publishes modeled estimates of pet insurance premiums in the United States, organized by breed, state, and age band.
PetCostHub is not an insurer, broker, agency, or licensed insurance producer. We do not sell, solicit, or negotiate insurance. We do not enroll pets, collect premiums, or handle claims.
Estimates Are Not Quotes or Offers
All figures on this site, including results from our Pet Insurance Cost Estimator, are modeled estimates for general information only. They are not quotes, binders, or offers of insurance.
An actual premium can only be provided by a licensed insurer or agent after reviewing your pet’s details. Your real price may be higher or lower than our estimate. Factors that can change a real quote include your exact location within a state, your pet’s age, breed mix, and medical history, the deductible and reimbursement level you choose, annual limits, waiting periods, and any discounts or surcharges a carrier applies.
Our method, assumptions, and limits are described on our Methodology page. Please read it before relying on any figure.
No Professional or Financial Advice
Nothing on this site is insurance advice, financial advice, veterinary advice, or a recommendation to buy, keep, or cancel any policy. Whether pet insurance is worth it depends on your pet, your budget, and your tolerance for unexpected veterinary bills. Consider speaking with a licensed professional and your veterinarian.
Accuracy and Limits
We work from published industry data, carrier-published figures, and our model, and we review content under our Editorial Policy. We do not guarantee any figure is complete, current, or error-free. Premiums change and source data may be revised.
If you find an error, please tell us through our Contact page. We welcome corrections and fix confirmed errors, but your use of any figure remains at your own discretion until you obtain a real quote.
Affiliate Links and Advertising
Some links are affiliate links. If you visit a provider through one and buy a policy, we may earn a commission at no extra cost to you. Advertising may also appear on the site. Commissions and advertising do not change our estimates or data. See our Affiliate Disclosure for details.
Intellectual Property
The text, data presentations, design, and other content on PetCostHub are owned by PetCostHub or used with permission and are protected by applicable intellectual property laws. You may view pages for personal, non-commercial use. You may not copy, scrape, or redistribute our content or data in bulk without prior written permission. Provider names and trademarks belong to their respective owners, and their mention does not imply endorsement of PetCostHub.
External Links
This site links to third-party websites, including insurers, affiliate networks, and data sources. We do not control those sites and are not responsible for their content, pricing, or privacy practices.
Acceptable Use
You agree not to use this site in a way that breaks the law, interferes with its operation, attempts unauthorized access, or collects data by automated bulk means. We may limit or block access that threatens the site’s security or availability.
Limitation of Liability
To the fullest extent permitted by law, PetCostHub and its operators will not be liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, this site or its estimates, including decisions about purchasing or not purchasing insurance based on information here. The site and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose. Nothing in these terms limits liability that cannot be limited under applicable law.
Governing Terms and Changes
These terms are governed by the laws of the United States and, where state law applies, the laws of the state in which the site operator is established, without regard to conflict-of-law rules. If any part of these terms is held unenforceable, the remaining parts continue in effect.
We may revise these terms at any time by posting an updated version on this page and changing the effective date. Continued use of the site after a revision takes effect means you accept the revised terms.
Contact
Questions about these terms can be sent to petcosthub@gmail.com or through our Contact page.