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Add up what the fluffball actually costs per year, pick a plan for the big vet bill — insurance or a fund — and start filling the thermometer.
The predictable stuff — estimate a full year of each.
Per year: $0
Option A: Pet insurance
Total yearly cost: $540
Option B: Self-insure fund
Total yearly cost: $540
Insurance caps the worst case; self-insuring keeps unspent premiums. Young healthy pet and solid savings? The fund often wins. Breed prone to $8,000 surgeries? Insurance earns its keep.
0%
funded
$1,500–$3,000 covers most single emergencies. Keep it separate from your human emergency fund.
The annual cost worksheet, the insurance-vs-fund comparison, and a color-in vet fund thermometer — one sheet per pet.
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Routine costs are easy to see coming; the emergency vet bill is what wrecks budgets — and it's a when, not an if, over a pet's lifetime. Whether you pick insurance or a self-insure fund matters less than picking one on purpose before you're standing at the emergency clinic at 2 a.m. making the decision with your heart.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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