Free · Under 60 Seconds · Actuarial Precision
Step 01 / 05 — Baseline Profile20% Complete
What pet companion are you planning for?
Select a species to initialize verified lifetime feeding curves, localized clinical vet rates, and audited insurance risk bands.
How species changes your actuarial projections
01
Caloric MER Scaling
Metabolic Energy Requirement scales directly by adult mass: 200 kcal/day for cats vs up to 2,400 kcal/day for heavy dog breeds.
02
Clinical Risk Liabilities
Separates dog orthopedic/cruciate tables from feline kidney/FLUTD liabilities for realistic emergency reserves.
03
NAPHIA Insurance Baselines
Pulls nationwide 2026 unadjusted premium data: cats average $32/mo vs canine median of $56/mo baseline coverage.