5 Eye-Opening Pet Expenses Most Owners Forget to Budget For (and How to Save)
You’ve got the leash, the food bowls, and the toys—but what about the hidden costs of pet parenting? Many new (and seasoned!) pet owners underestimate just how much those extra expenses can add up. This guide breaks down five of the most overlooked pet ownership costs—and how you can save money without cutting corners on your pet’s care.
1. Emergency Vet Bills
Whether it’s a swallowed sock or an unexpected limp, emergency vet visits can run hundreds—or thousands—of dollars. According to Anticruelty.org, unplanned care is one of the most common budget busters. Consider setting up a dedicated emergency savings fund or investing in pet insurance.
2. Dental Cleanings
Dental disease affects over 80% of dogs and 70% of cats by age 3—and professional cleanings aren’t cheap. Budget $300–$700 per cleaning depending on your pet’s size and needs. To save money long-term, brush your pet’s teeth at home and use VOHC-approved dental treats.
3. Pet Deposits and Rent Fees
Many apartment complexes charge monthly pet rent ($25–$50/month) or a one-time pet deposit. These costs are easy to forget during lease signing but can add hundreds to your yearly budget. Look for pet-friendly rentals that waive fees—or negotiate during lease renewal.
4. Grooming and Coat Maintenance
Long-haired dogs and certain cat breeds require regular grooming, which can cost $40–$90 per session. Skipping trims can lead to painful matting or even skin issues. Consider learning basic at-home grooming to cut down on costs or book with local vet techs who offer affordable services.
5. Replacing Damaged Items
Chewed shoes, scratched furniture, or ruined rugs—these “oops” moments add up fast. Budget for replacements or invest in pet-safe furniture covers and training tools. The sooner you redirect bad habits, the more you’ll save.
Being prepared for these less-obvious pet ownership costs can save you a lot of stress (and money). With a little planning, you can protect your budget while still giving your furry family member the best life possible.
Frequently Asked Questions
What’s the average cost of owning a dog or cat?
On average, it costs $1,300–$1,800 per year depending on species, size, and lifestyle. Emergency care and specialty food can increase that significantly.
Is pet insurance worth it?
It can be! For pets prone to illness or owners without emergency savings, insurance helps offset big surprise bills. Compare policies carefully and read the fine print.
Can I groom my pet at home?
Yes. With the right tools and a little patience, most owners can manage brushing, nail trimming, and even some light haircuts at home to reduce grooming bills.
How do I avoid pet deposit fees?
Look for pet-friendly rentals with no fees or negotiate based on your pet’s behavior and training. Some landlords may waive deposits if you provide references or pay slightly higher rent.
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