Independent tools for pet owners

Pet insurance is hard to compare. TAILOR makes it clearer.

Bring two quotes, a renewal notice, or a budget. TAILOR walks you through the numbers in plain English, shows the tradeoffs, and builds the questions to ask the insurer. No account. No sales pitch.

Use TAILOR How it works

Built by Ciaran Paul Roche, with Phinny in mind.

Start here

Exact math

See monthly and annual costs on the same basis.

Like-for-like checks

Terms that do not match stay visibly different.

Questions to ask

Turn missing details into a useful insurer checklist.

A decision pack

Print or save your numbers, assumptions, and next steps.

Start with what is in front of you

What do you need to work out?

You do not need to know the insurance vocabulary. Choose the situation that sounds most like yours. TAILOR will explain what to find and lead you through it one small step at a time.

I have two quotes

Put the prices and policy terms side by side without hiding the differences.

Compare quotes

My premium went up

Measure the exact dollar and percentage change, then see what needs an explanation.

Check a renewal

I am planning ahead

Test percentages you choose. It is a clearly labeled scenario—not a forecast.

Test scenarios
No account No name required No document upload No affiliate ranking Answers stay in this browser

TAILOR, explained simply

TAILOR is a guided comparison worksheet.

A good tailor measures before saying something fits. This tool measures before it compares.

You bring the real numbers from a quote, renewal notice, or budget. TAILOR does the repeatable math, keeps unlike terms apart, and points out the answers that only the policy or insurer can provide.

It is not a chatbot, quote form, insurer ranking, or policy recommendation.

Open TAILOR
  1. 01

    Choose your situation

    Comparing quotes, checking a renewal, or testing your own planning assumptions.

  2. 02

    Copy the numbers you see

    TAILOR asks for one number or policy detail at a time and tells you where to look.

  3. 03

    Take away a useful record

    See the calculations, differences, unknowns, and a question list you can print or save.

More useful than a quick answer

A chatbot can answer a question. TAILOR helps you finish the job.

General AI can explain an insurance term. TAILOR works through your actual decision.

The same inputs produce the same math. Assumptions stay visible. Terms that do not match stay marked as different. Missing information becomes insurer-ready questions. At the end, you have a record—not an answer floating in a chat window.

  • Side-by-side annual and monthly costs
  • Example owner shares using your figures
  • Exact renewal change in dollars and percent
  • Printable questions, assumptions and sources
Phinny sitting attentively on the patio
Phinny, keeping an eye on things. Photograph shown in full.

The dog behind the work

Phinny made the problem real.

Phinny was my rescue dog: funny, watchful, happiest near water, and convinced that personal space was negotiable. His ears rarely agreed on anything.

When his health changed, the monthly premium was easy to find. Understanding what the money bought—and which questions still needed a human answer—was much harder.

So I built the practical thing I wished I had: a clearer way to line up the facts before a difficult decision. Phinny supplied the reason. TAILOR does the work.

— Ciaran Paul Roche

Read the story behind the site

Plain English before the fine print

Five words worth understanding.

The label may look familiar while the policy meaning changes. These are starting points; your own policy wording still controls.

Read the full plain-English guide
Deductible

The amount applied before reimbursement. Ask whether it is annual, per condition or calculated another way.

Reimbursement

The share of an eligible claim the policy may pay after the deductible, subject to the policy’s calculation method and limits.

Annual limit

The most the policy may reimburse during a policy year. Some plans describe this as unlimited.

Waiting period

A period after coverage begins when some claims may not yet be eligible. Details can differ by coverage and state.

Pre-existing condition

A policy-defined condition connected to signs, advice, diagnosis or treatment before coverage or during a waiting period. Read the actual definition.

An honest boundary

What is known. What can be calculated. What still needs a human answer.

Known

The figures and policy details you enter.

Calculated

The arithmetic TAILOR can show and explain.

Still unknown

Claim eligibility, future pricing and which policy is right for you.

The policy wording and the law where you live control. TAILOR is educational, not insurance, legal or financial advice.

See the sources and method

Ready when you are

Bring the numbers you already have.

Use TAILOR

Free to use. Independent. Your entries stay in your browser.