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Can You Afford A Pet?

The decision to get a pet is not one that should be taken lightly, and while a pet should bring you a lot of joy and happiness there are also a large number of practical considerations to bear in mind – not least the cost.

Because much like owning a car, owning a pet has a lot of costs other than the price of the pet itself and these can quickly add up. Here we will look at some of the costs associated with owning a pet, and how you can reduce them in many cases.

afford a pet

The Pet

Of course, this is the first expense you need to consider, but the good news is that it’s not usually too outlandish. In most cases, a pet won’t cost you that much and particularly if you avoid pedigrees.

If you want to get this more cheaply still, then look into rehoming an animal from a shelter, or buying them from a friend if they’ve recently had puppies, kittens or bunnies.


Next, you should look at food costs and this is something that will vary greatly depending on the animal you get. For many pets, this cost will be relatively negligible if you buy in bulk (having a utility room filled with biscuits and doggy dinners is a price you pay), but if you have a large dog things can start to add up.

Other Supplies and Services

There are other supplies and services to consider too though – from grooming and kennels to hay and straw. This can all add up too, so it’s a good idea to sit down and itemize the costs to look at how much you’re likely to be paying on a regular basis. Speaking with a friend who has the same animal already is a good way to get an idea about these costs.

Again you can find ways to lower these costs though – for instance, if you have a friend that can dog/cat/guinea pig sit for you sometimes, or if you’re willing to try grooming your animal on your own.

Another cost to consider for dog owners is the cost of petrol if you are going to walk them regularly. For those of you with fields nearby this expense will be significantly reduced.

Vet Bills

Pets become really expensive though once they become ill, which will cost you a huge amount of medication and trips to the vet. The good news is that taking out insurance can make this a lot more affordable, but note that you will still have to pay an excess in some cases and that you won’t be covered against everything.

Overall though it’s definitely worth taking out insurance to avoid the difficult situation of being unable to afford the treatment your furry friend needs.

It’s also worth noting again here that some animals will, of course, be cheaper to insure, and less likely to get ill, than others. Generally smaller animals will cost less in vet bills, but you should also think about the breed you’re choosing and look into their family history.

How To Save Money On Vet Bills

Owning a pet is an expensive business and multiple trips to the vet are one of the largest reasons for this. Animals are like smaller versions of ourselves with the same complex biology but even more sensitive. Of course, we want to make sure our pets are happy and healthy as far as possible, and obviously, most of us would give anything to avoid seeing them in pain.

But that doesn’t mean that we can necessarily afford to pay for a visit upon a visit to the vet, and there comes a point where keeping a pet healthy can start to seriously impact on our lifestyles and our finances.

The good news is that there are numerous ways you can reduce the cost of owning a pet and specifically the trips to the vet if you are savvy. Here we will look at what some of those are.

Get Pet Insurance

This is the number one way to lessen the burden of vet bills. Pet insurance works just like health insurance for people – you pay a monthly premium and this then means that the company will pay out in order to help your animal when it’s needed.

Just like human insurance, you will find that different insurance companies offer different rates and different policies and it’s important to ensure that you find the right one. Look for an insurance policy that will cover you against every likely scenario, but avoid paying extra unnecessarily.

It’s also worth noting that you shouldn’t wait until your pet is older to take out insurance – not only will this make it more expensive, but you can never predict when your furry friend is going to come down sick or hurt their leg.

It’s also worth noting that you will still need to pay an excess toward the costs and that most insurers will only payout to a certain amount. Make sure you are happy with the terms and conditions, and that you still have some money put to one side ready for this eventuality.

Look After Your Pet

Of course, the ideal way to save money on pet costs would be to avoid needing to take your pet to the vet (your animal prefers this solution too).

There are numerous ways you can keep your pet healthier, but the general goal should be to ensure they are happy and that they get plenty of exercises, while also feeding them a good diet with plenty of protein, vitamins, and minerals.

Obviously, some health conditions are unpredictable and unavoidable, but by strengthening their immune system you can improve their ability to fend off most assaults on their health.

Do It Yourself

While you should always get an expert opinion when your animal’s health is at stake, there are certain scenarios still where you can forego using a pro.

For instance, if you currently pay for your rabbit’s nails to be clipped at the vet, then consider giving it a go yourself – a pair of nail clippers might just prove to be a great investment for you.

Read also: How to Get Rich And Accumulate Wealth

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