How the math works
Insured cost = all premiums + for each year with a claim, the deductible + your co-pay share (100% − reimbursement) of the bill above the deductible. Self-funded cost = the bills themselves. The calculator assumes each one-off event falls in a different policy year, that everything is covered (no exclusions or waiting-period problems) and that premiums don't change. Real policies have limits and exclusions, and premiums usually rise with age. Read what to check in a policy.
Cost figures in brackets are published estimates from public cost guides, not quotes. Ask your vet for local pricing.