Terms of use

Use TAILOR as a decision aid—not a substitute for the policy.

The tool explains figures and questions. The insurer-issued contract and applicable law control.

Effective date: August 25, 2026.

Using the site means you agree to these terms.

Educational service only

PetInsurancePremiums.com and TAILOR provide general educational information and mathematical comparison tools. They are not an insurer, insurance agency, insurance producer, broker, underwriter, claims administrator, veterinarian, law firm or financial adviser.

No sale, solicitation or individualized insurance recommendation

The site does not bind coverage, issue quotes, accept premiums, adjudicate claims, negotiate policy terms, or instruct a visitor to purchase, keep, replace or cancel a named policy. Confirm availability, price, exclusions and policy language directly with the insurer or an appropriately licensed insurance professional.

Your inputs

Results depend on the accuracy and completeness of the figures and policy characteristics you enter. A comparison can be misleading when products differ in coverage type, exclusions, reimbursement method, deductible structure, benefit limits, waiting periods or other material terms.

Illustrations and scenarios

Any claim-cost illustration is simplified and is not a promise that a real claim will be covered or paid in the amount shown. Any premium scenario uses assumptions entered by the visitor and is not a forecast of future insurer pricing.

External information

Regulatory, industry and insurer information can change. The site identifies important public sources where practical but cannot guarantee that every linked page remains available or that every policy and jurisdiction is represented.

Before replacing coverage

Do not cancel existing coverage solely because another premium appears lower. Review the proposed policy, effective date, waiting periods, exclusions, prior symptoms, medical advice, testing, treatment and pre-existing-condition provisions before replacing coverage.

Availability and corrections

The service may be changed, corrected, suspended or discontinued. We aim for accurate calculations and working access but do not promise uninterrupted operation or suitability for every purpose.

Limitation

To the fullest extent permitted by applicable law, PetInsurancePremiums.com is not responsible for losses arising from reliance on incomplete inputs, simplified illustrations, third-party information, an insurer's decision, or a visitor's purchase, renewal, replacement or cancellation decision.

Contact

Questions about these terms can be sent to ciaranpaulroche@gmail.com.