One of life’s most gratifying and enjoyable experiences is having a pet. It does, however, cost money. As much as we love and care for our pets, they also need yearly doctor visits, vaccinations, grooming, food, and bedding. Before bringing home a new furry friend, it’s vital to keep in mind that there are other expenditures associated with pet ownership beyond the adoption fee. The ASPCA details the initial and ongoing costs of pet ownership in the graph below.

Actual Cost to Own a Pet

The dedication required to care for pets is ongoing. Regardless of the circumstance, you will incur expenses during the course of your pet’s life. In addition to the upfront costs of adoption, paperwork, vaccinations, training, and other related charges, you need a budget for continuing costs such as feeding, grooming, and medical care. Sometimes it may seem that you cannot do without pet loans for bad credit, but do not rush to conclusions.

In addition, taking into account the price of a larger property with a fenced backyard may be necessary depending on the size of your pet, particularly when it comes to larger dogs.


Food is the most visible expense and it could come from strange sources. (After all, NestlĂ© owns Purina.) Every pet needs food, and regardless of whether it’s fish flakes, rabbit pellets, dog kibble, or cat chow, one thing is for sure: They all cost money. Feeding a cat can cost an average of $4.88 per week, while feeding a dog can cost an average of $5.52 per week, according to the American Pet Products Association (APPA) 2021-2022 National Pet Owners Survey.

The majority of pet owners also spend money on other items like toys, snacks, beds, leashes, cages, carriers, training sessions for their pets, and other extras. It also happens that something may be needed at the most unexpected moment and then you will want to use the qiuck payday loan app to quickly buy the thing you need. However, you should not often refer to it. But still, pet food is one expense where you can’t really cut money, therefore consider the price of food while selecting a pet.

Health Care

A further certain expense is a medical attention. Even fish get ill, and our four-legged buddies require basic medical care to avoid more issues. A yearly examination is considered standard care for dogs and cats. The average American spends $583 annually on medical care for their dog, according to the APPA poll, whereas just $343 is thought to be spent annually on medical care for cats, even though most cat owners have more than one.

Regular veterinary maintenance is comparable to having your automobile inspected financially. Similar to a car inspection, going to the vet might occasionally reveal additional problems that need to be fixed. These problems are frequently pricey. Cancer diagnostic tests can easily cost more than $1,000, and that doesn’t include surgical care, ongoing therapies, or medicines.

The benefits of dental care may not seem relevant when so many pet food and treat manufacturers promote them. However, by the age of three, the majority of dogs and cats already have some sort of dental disease, which can impair their quality of life, progress to other illnesses, and cost you a lot of money in vet expenses. Two excellent strategies to keep your cat or dog healthy and dental bills under control are to schedule yearly dental cleanings and to brush your pet’s teeth at home.

According to the APPA survey, the typical price of surgical care for a pet is estimated to be roughly $458 for a dog and $201 for a cat. In 2021, Americans as a whole spent a staggering $34.3 billion on veterinarian treatment for pets.

Pet Insurance

When dealing with medical issues, pet insurance can be huge assistance in controlling expenditures, especially when your dog or cat is injured or falls ill without warning.

Pet insurance can run as high as $100 each month. Most pet health insurance also includes wellness services like vaccinations, spaying or neutering, heartworm treatment, and flea and tick control. An owner can truly benefit if they make use of everything their insurance will pay for. To compare pet needs and insurance, talk to your veterinarian. She also notes that there are various pet insurers, so it’s crucial to compare them all to get the pet insurance plan that best suits your requirements and your budget.

Travel Charges

You need to add pet sitting or kennel services even when traveling. Sometimes a neighbor will be happy to walk your dog, etc. There will also be doggie daycare at other times.

Cleanup Charges

If your landlord permits pets at all, be prepared to pay a cleaning charge or occasionally a nonrefundable pet deposit if you rent an apartment. The likelihood is also high that you’ll need to spend money on a quality vacuum or cleaning service to remove all the hair from your furniture, rugs, and other areas of the house.


In addition to necessities like food and veterinary care, there are also recurring and unforeseen costs. You should also account for pet-related costs associated with major life events like relocating. For instance, many apartments require a pet deposit, and extra cleaning costs could apply.

Cats have a habit of knocking items off tables, and they don’t know the difference between pricey vases and empty toilet paper rolls. They also have pointed claws, so if you don’t provide them with a place to scratch, they can use your furniture as a shredding post. All of this is to indicate that you might wish to set aside cash for unforeseen costs.


Your canine pets require care just as much as your human offspring do, including bathing and grooming. While cats tend to be tidy creatures who groom themselves, they should nonetheless occasionally receive assistance. Given that cats typically don’t respond well to water, getting your cat professionally bathed can cost up to $50 or more.


It is preferable for current and prospective pet owners to include pet expenses in their emergency cash reserve. You should put six months’ worth of expenses for your pet in your emergency fund, depending on how pricey the products you selected are. And remember that adopting a pet entails making a commitment to providing for it for many years to come. Dogs and cats typically stay with their owners for ten or more years, but sometimes when adopting a pet, people don’t think about the long-term commitment involved.