How much does owning a pet cost?

  • Learn about common expenses (from 2022) that arise when you own a pet

Did you know that on average, pet owners spent $3,218 on dogs and $1,715 on cats each year?1 From adoption fees, food, and health related costs– pet fees can add up.  Knowing the common costs that arise can help you provide the best possible care for your pet.

1.     Pet food and treats

Feeding your pet is essential for keeping them happy and healthy. This cost usually depends on your type of pet, their diet and quality of food provided. For cats and dogs, this can add up to $2,024 annually and is the highest pet related cost for most Australian households.3

2.     Vet visits and health related costs

Health related costs are another important expense. This includes both one off treatments like desexing or microchipping, as well as ongoing costs like general check-ups.

  • Desexing costs - Desexing a cat or dog can cost up to $200-$500 depending on breed, age, size and gender2
  • Microchipping - Microchipping can cost $60-$80 for both cats and dogs2
  • Vaccinations and checkups - These services can cost $250 for both cats and dogs in the first year, and $100 in following years2
  • Unexpected costs - Surgeries can cost in the thousands depending on the situation

3.     Grooming

Regular grooming helps to maintain your pet’s health and appearance. Costs can vary depending on your type of pet, their size and coat condition. It also depends on the level of service and frequency, as providers may offer different packages.

  • Dog grooming can start from $702
  • Cat grooming can start from $502
  • Additional services such as nail trimming, ear cleaning, and de-shedding treatments may also be an additional cost

4.     Pet holiday care

If you’re off enjoying a holiday, it’s important to ensure your pet receives the care and attention it needs. On average, boarding for cats and dogs can start from $25 per night.3 Providers may also offer extras such as grooming, more play time, or administering medicine may also be an additional cost. 

5.     Pet insurance

Some pet owners choose to take out pet insurance to help with the cost of unexpected accidents and illnesses. Pet Insurance costs could vary depending on the level of cover and details about your pet, such as breed and health history. It can help with unexpected expenses related to accidents, injuries and illnesses depending on your policy. Some policies may also offer optional non-insurance benefits such as routine care. You can find out how your premium is calculated in the Product Disclosure Statement (PDS).

How to better plan for your pet

Here are some tips on how you can budget for your pet.

  • Start by planning for initial costs like adoption fees, vaccinations, and essential supplies.
  • Create a plan for recurring expenses such as food, grooming, routine vet care, and set aside an emergency fund for unexpected veterinary bills.
  • Review optional protection measures for your pet such as vaccination boosters, vitamins and nutrients, and protection options such as pet insurance.
  • Regular vet visits and DIY grooming can help reduce costs, while investing in high-quality food promotes long-term health.

Arrange pet-sitting exchanges with family and friends to save on boarding costs.

 

Looking to help protect your furry friend with pet insurance? 

Explore the pet insurance product distributed by Commonwealth Bank and provided by PetSure.

Related articles

Things you should know

1 Animal Medicines Australia, Pets in Australia: A national survey of pets and people, 16 November 2022 

2 https://www.rspcansw.org.au/what-we-do/care-for-animals/owning-a-pet/costs/ 

3 https://moneysmart.gov.au/family-and-relationships/getting-a-pet

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