Pet Health Universe

Ontario Beta Prototype

Follow your pet's life journey before problems become surprises.

Pick a pet profile to open a warm, stage-by-stage health scroll with expected risks, accident costs, and a natural bridge into insurance decisions.

Selected Breed Intro

Choose a pet profile to begin.

We will show temperament, strengths, life-span expectations, and major health watchouts for the selected breed.

Cross-stage concern highlights will appear here after selecting a profile.

Baby
Baby
Youth
Youth
Mature
Mature
Senior
Senior
Size -
Energy -
Care Load -
Trainability -
Family Fit -

Merits & Special Features

Select a pet above to load breed-specific highlights and strengths.

Typical Life Span

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Common Illness Watchlist

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Part 1

Life Stage Health Scroll

Scroll from baby to senior to view stage photos, condition probabilities, cost ranges, and yearly budget expectations.

If you suspect an emergency, contact a licensed veterinarian immediately.

Part 2

Insurance Lab (Ontario)

Explore deductible, reimbursement, and limits like an underwriter, then check if insurance looks worth it for your scenario.

Educational estimates only. Not veterinary or insurance advice.

Underwriter Presets

Load common pricing scenarios, then refine individual inputs.

Derived life stage: Youth

Declared Pre-existing Conditions

Add diagnosed conditions that should apply underwriting load.

Analytics Endpoint

Optional: set a deployed collector URL to export events from this browser.

No endpoint configured. Events stay in the in-memory queue only.

Scenario Result

Estimated Monthly Premium: $0 - $0

Estimated Annual Out-of-Pocket (Insured): $0

Estimated Annual Out-of-Pocket (Uninsured): $0

Tail-Risk Protection Value: $0

Insufficient Data

Inputs used: scenario inputs will appear after you run an estimate.

Pricing factors: base and multipliers will appear after you run an estimate.

Renewal projection: run an estimate to preview next-year inflation effect.

Assumption confidence: -

Check exclusions and waiting periods.

Scenario Comparison

Save up to 3 scenarios, compare outcomes side-by-side, then load any saved scenario back into the form.

Export saved scenarios or the current estimate to CSV for underwriting review.

Save at least one scenario to generate a recommendation summary.

Run an insurance estimate, then save scenarios to compare.

Provider Comparison (Normalized vs Observed)

Normalized comparison aligns deductible, reimbursement, and annual limit before comparing observed quotes.

Run an insurance estimate to rank providers for this scenario.

Observed quote snapshots vary by provider terms, exclusions, waiting periods, and policy wording.

Run an insurance estimate to load providers.

Quick Comprehension Check

Answer 3 quick questions to confirm risk, cost, and comparison understanding.

Select a pet and run an estimate, then complete the quiz.

Information on this site is for educational purposes only and is based on model assumptions, public sources, and user-provided inputs.