What is the Annual Cost of Owning a Dog?

Annual Cost Of Owning A Dog

Bringing a puppy home might not seem like such a big deal:

Doggie bed? Check. Bowls? Check. Collar? Check. Food? Check.

Ready to bring that tumbling ball of fur to his forever home, right? Well, as you might expect, there’s a “Well, yes, but…” involved. What about the next 10 (or more) years of your dog’s life? You still have to factor in veterinary visits over time, plus food, treats and much, much more.

Let’s break down the average annual cost of a dog so you’re well aware of the costs long before that adorable ball of fluff makes his first appearance in your home.

Cost Of Owning A Dog

The lifetime cost of having a dog can range anywhere from $22,000 to a whopping $83,000, depending on your dog’s breed and services required (including predisposition to diseases or other health issues).

Of course, you can’t simply divide by the number of years you think your dog will live (who knows how long that will be?) against such a large range of numbers. The best way to break down costs is to examine the biggest costs of owning a dog and add those up.

Lifetime expenses of Owning A Dog

Here are some of the costs associated with owning a puppy, according to Dividend Earner and Rates.

Health: How much is a vet visit? Vet care costs could be between $700 to $1,500 a year, depending on the type of dog you have and whether you live in an expensive area. Note: this figure doesn’t include emergencies or medications.

Pet Food: Do you know how much dog food costs? Food costs can run from about $120 per year to as much as $900 per year.

Grooming: More fur equals more expensive grooming costs. Grooming your dog at home can cost up to $1,400 per year for frequent professional grooming.

Toys and treats: Dog parents spend between $35 to $250 per year just on toys and treats.

Pet care doesn’t simply stop at food, water, and shelter. Veterinary care, mental stimulation, and training are also needed. Based on our research, the top-dollar for these four categories could cost approximately $4,050 per year.

One-time expenses of Owning A Dog

Sure, these are one-time purchases, but there’s still a cost involved. Wondering how much it costs to adopt a dog? Here’s what you can expect:

Whether or not you need these items may also depend on the age of your dog. Whether you get a puppy or an older dog will, of course, influence the amount you will spend over their life with you.

Costs You May Not Expect

Things happen. Sometimes, unpredictable incidents occur. Here are a few reasons you might want to tuck a little bit more into savings, whether you’ve got a puppy on your hands or a full-grown canine.

Replacing your stuff

Puppies sure are eager to exercise their growing teeth, aren’t they? You may need to replace your yard and other household items.

Some things you may have to replace:

  • Shoes and slippers

  • Dog beds (accidents happen!)

  • Yard destruction (like uprooted plants, chewed up flower garden weed mat, etc.)

  • Home wear and tear (chewed up siding and trim, ruined kitchen table and chair legs, etc.)

Costs: Varies depending on the item your dog has ruined.

Extra vet bills

Unexpected vet bills might pop up, from a broken leg to Lyme disease.

How well you care for your dog will also dictate the amount you spend per year. Save money by following a proper diet for your dog’s size and nutrition requirements. The more you feed your dog, the more your dog will be at risk for the following diseases:

  • Cancer

  • Diabetes mellitus

  • Heart disease

  • Hypertension

  • Osteoarthritis and joint degeneration

  • Urinary bladder stones

  • Anesthetic complications for being less heat tolerant

Check to be sure you’re feeding your dog the right amount of food, and consult your vet about a weight management plan if you think your pup needs help.

End of Life Costs

Your dog isn’t just a dog, they’re family. The thought of losing your furry family member is gut-wrenching, but unfortunately it’s something that should be planned for at some point in their life. Whether it be by freak accident, illness, or old age, your fur baby cannot live forever, and it’s better to know what costs to expect than be blindsided when their time comes.

  • Dog euthanasia: $35 to $300

  • Cremation: $30 to $250

  • Burial costs: up to $750

Costs: End of life services for your beloved pet can cost upwards of $100 depending on where and what services are performed.

Care for dogs during travel

Whether you need to pay extra for a hotel that accommodates dogs, find a caregiver or pet sitter on, or even local kennel boarding options, you’ll need to splurge a little bit on dogs when you travel. Check into size restrictions on pets at certain locations-you might not be able to take your mastiff to a specific hotel.

Certain breed-specific costs

Some breeds are more expensive than others-including the purchase price. Other costs per year may relate to:

  • breed rarity

  • temperament

  • grooming costs

  • common medical problems due to breed

Costs: Varies, depending on what your dog’s specific breed and sensitivities are.

How to Handle the Costs of a Dog

It’s a good idea to total up the costs you may encounter before you get your dog and plan for them every year after. Budgeting may help dog parents anticipate the monthly cost of a dog. However, that may not account for everything-and that’s where Spot Pet Insurance can help you out.

Step 1: Budget first. Plan out as much as you possibly can using the items on this list. Your pup may cost more (or less) than you think!

Step 2: Type in your pet’s name on Spot’s website. Indicate that your pet is a dog, type in your pet’s breed, your postal code, first name, last name and email address.

Step 3: Choose the plan and coverage options that make the most sense for your pet-depending on your pet’s particular needs.

Step 4: Purchase your dog insurance plan.

Your Best Bet to Handle Dog Costs

With a Spot plan, pet parents can get coverage for a variety of needs over the course of your dog’s life:

  • Diagnostic tests for covered conditions

  • Illnesses

  • Accidents

  • Veterinary treatment

  • Injuries

  • Medicine and supplements for covered conditions

  • Prescription food (Prescription food for general maintenance and weight maintenance is not covered.)

  • Poison control and consultation fees

  • Tooth extractions related to a covered accident

  • Alternative therapy

  • Cancer

  1. “How Much Does It Cost...” Dividend Earner,, accessed Jan. 26, 2024.

  2. “The Cost of Owning a Pet in Canada,” Rates,, accessed Jan. 26, 2024.

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