5 Unpredicted Costs of Pet Ownership

The majority of pet owners have reported a peak in life satisfaction and fulfilment after adopting a pet. However, especially for first-time pet parents, there can be some unpredicted costs that can take away some of the excitement of getting a furry friend. 

While these should not be stopping you from adopting a puppy, any owner-to-be should be aware of what hidden expenses are there to be faced. By knowing the unexpected costs of pet ownership, you will be able to provide better care for your puppy!

1. Medical Care Cost

Your pet’s medical care can represent one of the highest costs you will be facing. While there are effective ways to finance them either privately or through insurance, you should be aware of this expense beforehand. 

Only for the first year, the medical care cost for a dog is estimated to be over $660 and for a cat is $ 540. This includes vaccinations, regular check-ups, and emergency treatment in case of an accident. However, if your newly adopted pet has pre-existing conditions, which are quite common in pedigree dogs and cats, this cost can reach its double.

These expenses can be financed through an effective pet insurance policy or personal loan. They can be resolved quickly through the use of designated credit cards or veterinary payment plans, but this might mean a rate of interest that will need to be consequently repaid.

Moreover, while standard procedures and annual treatments can be introduced with your budget easily and they can be foreseeable, emergency care is not. In this case, you will need to have a savings designated at resolving unexpected health issues of your pet.

2. Training and Equipment Costs

This cost can vary greatly depending on the breed and personality traits of your pet. While it can be very low for cats, dogs will need a higher degree of training and exercise. Failing to do so can lead to frustration, embarrassment, and a level of discomfort within the household.

For larger breeds of dogs, continuous training is necessary and can be up to $100 per month. Moreover, any dog owner will need to be equipped accordingly. This means that you will need enough tough toys, rewards, a sturdy but flexible leash, and treats to carry out the training properly. Depending on the pet’s breed, this can add up to $600 a year.

 During a more basic housetraining, you will need litter, pee-pads, and crates. Moreover, depending on your puppy’s personality and energy level, he or she will need to be stimulated constantly. Failing to do so can bring to even higher costs in house goods damaged and needing replacement.

The first few years with your pet are reported to be the highest costing ones. Before adopting a pet enquire on the level of training that he or she will need and what are the characteristics that a specific breed might have. Alternatively, cats are deemed to be less expensive pets that don’t require training.

3. Insurance Cost

Dog bites and damages to public spaces are reported to be worth over $490 million annually in insurance claims. This can affect the price of your insurance through a number of factors.

If you are looking at or currently renting a property expect to pay a higher price to your insurer, if they are willing to offer coverage for the damages. However, it is not uncommon to be refused the property altogether.

Moreover, some dog owners have experienced a surcharge on the insurance premium based on the specific breed of your pet. If you have adopted a cat or dog considered aggressive or highly energetic, you might be facing an extremely high insurance cost.

In this case, you might opt for buying pet insurance that will cover the cost of possible damage to items, persons, or properties. An accident-only insurance policy is deemed to be worth $16 for a dog and $13 for a cat monthly. This price also varies depending on your pet’s breed.

4. Cost of Pet Care If You Are Away

Having a furry friend means that you will have to care for another being 24/7, even if you are traveling or away for work. Ideally, you should not leave your pet alone or not cared for over 24 hours and be able to feed and attend their needs regularly.

However, often having to leave your pet is unavoidable. It can be for an emergency, holiday or business trip, but you will have to have a contingency plan in place for any situation.

Daily pet care or sitters cost around $35 to $40 per day, but it can be much higher if you have to leave your pet in a kennel overnight.

Moreover, while your sociable furry friend will take no time to adapt to a new place, it is recommended to let him adjust to the new environment for a night or a weekend before leaving him for a week. 

If you like to travel often and for this reason, you have decided to adopt a semi-independent breed, you are looking at paying several hundreds of dollars for a week of dog care.

5. Food Cost

While in the past pets were fed mostly leftovers, today they require a much larger investment for food and treats. Pedigree cats and dogs are especially prone to stomach conditions that can make them ill easily, Moreover, an increasing number of food allergies have been reported by owners. 

Food has become one of the highest costs that owners are facing today. While any pet parent aims at treating their dog or cat in the best way, high-quality food can add up to over $700 annually. If your dog has specific allergies or dietary requirements, this can be even higher.


Any pet owner is devoted to looking after their furry friends in the best way possible. However, if you are not aware of some of the hidden costs, caring for your pet can quickly become a source of financial frustrations. 

If you are struggling to afford insurance, bad credit loans can now be granted to any owners that would do anything to make their pets happy and healthy.

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