<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ====================================================
       PetCareMath Sitemap
       Replace https://petcaremath.com/ with your actual domain
       Update lastmod dates as pages are published/updated
       ==================================================== -->

  <!-- ============ HOMEPAGE ============ -->
  <url>
    <loc>https://petcaremath.com/</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ============ CALCULATORS (highest priority — these are the moat) ============ -->
  <url>
    <loc>https://petcaremath.com/calculator/is-pet-insurance-worth-it</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/calculator/lifetime-cost</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/calculator/emergency-fund</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/calculator/insurance-vs-savings</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/calculator/vet-bill-estimator</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ============ BREEDS HUB + INDIVIDUAL BREEDS ============ -->
  <url>
    <loc>https://petcaremath.com/breeds</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 30 individual breed pages -->
  <url><loc>https://petcaremath.com/breeds/golden-retriever</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/french-bulldog</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/labrador-retriever</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/german-shepherd</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/bernese-mountain-dog</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/english-bulldog</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/dachshund</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/breeds/poodle-standard</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/poodle-toy</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/beagle</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/rottweiler</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/yorkshire-terrier</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/boxer</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/great-dane</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/shih-tzu</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/chihuahua</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/cocker-spaniel</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/pug</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/siberian-husky</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/australian-shepherd</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/corgi</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/border-collie</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/doberman</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/maltese</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/cavalier-king-charles-spaniel</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/shiba-inu</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/mastiff</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/mixed-breed-small</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/mixed-breed-medium</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/breeds/mixed-breed-large</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- ============ PROCEDURE COST PAGES (high commercial intent) ============ -->
  <url>
    <loc>https://petcaremath.com/procedures</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url><loc>https://petcaremath.com/procedures/tplo-surgery-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/procedures/dental-cleaning-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/procedures/cancer-treatment-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://petcaremath.com/procedures/spay-neuter-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/procedures/hip-dysplasia-surgery-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://petcaremath.com/procedures/emergency-surgery-cost</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- ============ REGIONS (geographic SEO surface) ============ -->
  <url>
    <loc>https://petcaremath.com/regions</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Top 10 US states by pet ownership -->
  <url><loc>https://petcaremath.com/regions/california</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/regions/texas</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/regions/florida</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/regions/new-york</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/regions/pennsylvania</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <!-- International -->
  <url>
    <loc>https://petcaremath.com/regions/australia</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en-AU" href="https://petcaremath.com/regions/australia"/>
  </url>
  <url>
    <loc>https://petcaremath.com/regions/united-kingdom</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://petcaremath.com/regions/united-kingdom"/>
  </url>

  <!-- ============ RESEARCH (press + AI citation play) ============ -->
  <url>
    <loc>https://petcaremath.com/research</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/research/breed-cost-rankings</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/research/methodology</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/research/data-sources</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/research/quarterly-update</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============ GUIDES (long-form for E-E-A-T) ============ -->
  <url>
    <loc>https://petcaremath.com/guides</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url><loc>https://petcaremath.com/guides/when-to-get-pet-insurance</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/guides/pre-existing-conditions-explained</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/guides/pet-insurance-vs-wellness-plan</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://petcaremath.com/guides/pet-emergency-fund-how-to-build</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- ============ INSTITUTIONAL PAGES ============ -->
  <url>
    <loc>https://petcaremath.com/about</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/editorial-policy</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/privacy</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/terms</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://petcaremath.com/contact</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

</urlset>
