I throw $150 in there every month to build up to the goal I’ve set for his emergency fund. That said, my reasonable monthly insurance costs are nothing compared to my “self-insurance” emergency fund for my dog. It’s the perfect complement to the dog’s emergency fund, and breaks down to a monthly cost of $26.23. It covers 80% of accidents and illness, up to $8000.00, and rings in at $314.75 a year. Luckily, I found an insurance option that works well for me and my dog. I’ve flip-flopped on whether or not to buy dog insurance.īut, I know myself well enough to know I need both pet insurance and a well-funded pet emergency fund. It comes out to an average monthly vet cost of $26.60 for routine care and vaccines. (Our latest spring vet visit included blood work to make sure everything was all good, and a full round of tick and flea meds, and was over $500.) Sadly, that seems low to me, but I’m going to go with it. That’s a bit lower than the spring check-up, due to the cost of the medications, so I multiplied this past visit by 2.5 to get an annual routine vet bill of about $319.23. That one – including the $64.42 for a bag of his special new tooth food – ran me $192.11. He just had his last checkup, where we discovered the need for his new-and-improved dental diet. One in the spring for his “summer meds.” This one includes anti-flea and anti-tick medication, which I’m more than happy to spring for since even one infection from either would cost me a whole lot more in the long run – not to mention stress me right out.One in the fall for his annual checkup and vaccines, and.My dog has two regular vet visits each year. What brands of food or options do you have available locally, and how much do they cost?.Does your dog need any special food or have dietary restrictions?.How big is your dog, and how many calories / scoops of food will your dog need every day?.If you’re trying to estimate how much it will cost to feed a dog every month, the factors you need to think about include: Which is still less than we had been spending on the fancy food we were buying before, so that’s fine. When I average it out, his total monthly food costs ring in at $66.65 a month. The new dental diet food lasts about a month and a half, and costs $64.22 per bag. The Costco food usually lasts us about two months, at a total cost of $36.66. He seems fine with it, mostly because he’s a lab and will eat anything, but it’s definitely upped our monthly food costs. As a result, we’ve switched up his breakfast to the vet-recommended dental diet food. While reasonably priced, high-quality dog food has been one of the biggest benefits of a Costco membership for me, my dog’s latest vet visit revealed some not-so-clean teeth. However, she posed a question I wasn’t prepared to answer. Now, I can go on and on about this in terms of the costs of pet insurance, the costs of dog food, and my monthly contributions to the dog’s emergency fund. Her boyfriend, the budget nerd, mentioned to her that she should ask me just how expensive dogs can be. This all came up as part of a discussion with a friend, who’s considering getting a dog. While I was ready for the responsibility, the time commitment and the lifestyle changes ages ago, it was only when the dog arrived on the scene that I realized that in previous years – and without my boyfriend’s support – I wouldn’t have been ready financially. With all the advice people gave me as I was contemplating getting a dog. There’s a reason I call him my luxury dog after every vet visit, and it’s not just because having a dog is a decidedly discretionary expense.
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