Average cost of pet care in 2022 • Benzinga

Did you know that many of our readers end up choosing Lemonade pet insurance? for their pet insurance coverage?

If you own a pet, you already know that there are a range of costs associated with responsible pet ownership. Considering these costs before buying or adopting a pet can help you choose an animal that you can afford to care for.

Learn more about how much a pet really costs, how you can save on pet care with insurance, and how your pet’s breed and age affect pets. your care costs.

Average cost of care for a dog

How much does it really cost to have a dog? The first thing to consider before getting your first pet is the initial costs associated with bringing your furry friend home. This is especially important for dog lovers – the first year of owning a dog is often twice as expensive as the second year due to the initial capital outlay.

If you plan to buy a dog from a reputable breeder, you will typically pay anywhere from $500 to over $2,000 for a purebred dog. However, you can save money and help adorable dogs find new owners by adopting. When you adopt instead of buy, you usually only pay $50 to $200 for your initial costs.

No matter where you get your pet, make sure they are fully vaccinated as soon as possible. The price of vaccinations varies according to the age of your dog. If you’re bringing home a puppy, expect to spend between $50 and $300 on vaccines.

Puppies should visit the vet several times during their first few weeks of life, and you can expect to spend between $100 and $300 per visit. When your pup reaches an age where he can be spayed or neutered, you’ll typically pay between $150 and $700.

The first one cost of owning a dog in your first year can lose hundreds of dollars when you adopt an older dog that has already had its vaccines and has been spayed or spayed by a previous owner.

Pet care costs for dogs go well beyond their first year in your family. Dogs and puppies also have recurring expenses that you will need to consider, including the following.

Necessity of the dog Average annual cost
Food $250 to $700
Toys $25 to $50
Beds $50 to $200
Routine veterinary visits $700 to $2,000
Medications and ongoing preventive care $200 to $600
Training or obedience classes $25 to $300
Pet sitting or kennel fees $100 to $300
Total average costs $1,350 to $4,150

The bottom line? Caring for a dog can cost between $1,350 and $4,150 for each year you own your four-legged friend. If you adopt instead of buying your new pet, you can potentially save thousands of dollars in upfront expenses.

Common age restrictions for dog insurance

Purchasing pet insurance for dogs is a great way to give yourself the peace of mind of knowing you’ll have help paying for veterinary emergencies or any emerging health issues.

However, most pet insurance plan providers have maximum ages for pets whose owners are looking to enroll them in coverage. The most common age limit for dog insurance is between 10 and 12 years old, which means the insurance company is not likely to insure your pet after that age. Obtain coverage before your pet reaches this maximum to ensure plan availability.

Average cost of care for a cat

If you’re considering adopting a cat, you’ll likely spend a lot less both annually and on your upfront expenses. Although buying a feline with a purebred pedigree costs almost as much as buying a dog from a breeder (between $200 and $2,000), adopting a cat usually costs between $50 and $100.

Just like adopting a puppy, kittens need regular vaccination visits, which cost around $100 to $200 per visit. It usually costs between $50 and $150 to spay a female cat or between $35 and $100 to spay a male cat. Another benefit of adopting a cat is that most shelters neuter and neuter felines before offering them up for adoption.

Cats also need ongoing spending to maintain a healthy, quality life. Some recurring costs you can expect when adopting a cat are as follows.

Necessity of the cat Average annual cost
Food $150 to $750
Toys $10 to $100
Routine veterinary visits $80 to $120
Medications and ongoing preventive care $50 to $250
Accessories for cat litter and litter box $150 to $200
Total average costs $440 to $1,420

As you can see, the annual cost of owning a cat is much lower than owning a dog. Cats can be just as cute, loyal, and fun-loving as dogs, so if you’re not sure you can cover the living expenses of a dog, a cat might be the best choice for your family.

Common age restrictions for cat insurance

As with dogs, you can also purchase pet insurance for cats, usually at a lower cost than you would pay to insure a dog. While cats are considered seniors anywhere between their 7and and 11and birthdays, many pet insurance providers (like the ASPCA and Pet Plan) don’t have a maximum age limit for cats. Ask your insurer for cat-specific restrictions.

Risk Factors for Dogs

Understanding the risks that insurance companies consider when pricing your pet insurance premium can help you find the most affordable pricing. Some of the most important things your pet insurance company will consider when calculating dog insurance include the following.

  • Raising: Some dog breeds are more prone to disease than others. For example, Pugs are known to be at higher risk for canine encephalitis and canine hip dysplasia (CHD), which increases the price Pug owners pay for insurance.
  • Age: As your pet ages, the risk of developing illness or injury increases. The older your dog, the more insurance you will pay.

Many insurance companies that offer dog insurance allow you to choose your plan deductible. Choosing a higher deductible can help lower the cost of your insurance.

Risk Factors for Cats

Insurance risk factors also come into play when pricing cat insurance. Some factors that influence the price of cat insurance are as follows.

  • Gender: Research shows that male cats are more susceptible to injury than female cats. As a result, owners of male cats pay more for their insurance coverage.
  • Age: Like dogs, cats become more prone to injury and illness. Owners of older cats pay more for coverage than younger cats.

If you own a younger pet, you may want to look for a pet insurance company that doesn’t increase your insurance premiums as your pet ages.

The cost of caring for exotic animals

If you’re looking to adopt a more exotic pet, be prepared for higher pet costs. Animals like snakes, parrots and horses often consult specialist veterinarians when they are sick or injured. Visits to a specialist vet cost more than a visit to a general vet, so you will need to increase your healthcare budget.

Also, most major insurance companies do not insure any type of animal apart from cats and dogs. If you own an exotic pet, look for an insurance company that offers a wide range of insurance plans for various species, such as Nationwide.

Compare pet insurance companies

Owning a dog or cat can cost more than you first thought – and those care costs don’t include the price you’ll pay for emergency vet bills. Investing in a solid pet insurance plan can help ensure your furry friend always has access to the care they need.

Benzinga offers information and reviews on the following pet insurance providers. Consider starting your search for coverage with some of the links below.

Frequently Asked Questions

How much does the average person spend on pet care?


How much does the average person spend on pet care?


Sarah Horvat


The average dog owner spends about $1,201 on their pet’s care each year. Cat owners spend about half that amount caring for their pets, with pet care costs amounting to about $687 per year.

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What are the costs of owning a pet?


What are the costs of owning a pet?


Sarah Horvat


Each pet requires a few necessities and ongoing medical care. Before buying a pet, consider the cost of food, toys, accessories, annual vet visits and grooming. You may also have special needs that depend on the type of animal you have, such as a cage for a bird or a leash for a dog.

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