Smart Ways to Save Money on Pet Costs (2024)

Smart Ways to Save Money on Pet Costs (1)

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Smart Ways to Save Money on Pet Costs

On average, an American household annually spends around $1200 on their pets, while dog owners spend even more – close to $1500. Some pet owners easily top those amounts, while others try to find smart ways to save money on pet costs.

Therefore, in today’s article we’ll show you how to save money on pet food, pet supplies, pet health and veterinary care.

1. Choose the Right Pet

If you are in the market for a new pet, you should consider your budget and lifestyle. You simply can’t make a decision based on the cuteness factor – you have to think about your pet’s needs first.

For example, if you are living in a small flat and have no time to walk your pet, then purchasing a dog would be a bad choice. In addition, you should research and find out what is the cost of having a pet, and make sure it fits your budget.

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2. Bulk Shopping

The best way to save money on pet supplies is to buy in bulk at online pet retailers. For example, by buying larger bags of dog food or cat food containing natural ingredients at Petco, PetSmart or 1-800-Petmeds, you can reduce your pet supplies bill by 30%-50%. However, always make sure you are getting free shipping and check the expiration date to avoid wasting your money.

You can also sign up for a pet retailer rewards program, receive an initial “sign up” coupon and earn reward points that can be redeemed for discounts. In addition, it would be wise to sign up for manufacturers’ newsletters to receive sale notifications, coupons and special offers for pet supplies. Whenever you can, try pairing sales and store coupons with manufacturers’ coupons and you’ll be amazed how much money you’ll save.

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3. Pet Food

The saying “you are what you eat” can be applied to our pets as well. The foods that pets eat do more than just fill their belly. It affects their quality of life, overall health, longevity and even behavior. Therefore, it’s crucial that we always buy quality pet food that contains valuable nutrients that will make them strong and healthy.

We always recommend buying brand-name pet food with ingredients recommended by the vet. When you are buying dog food or cat food, make sure to look for canned food with a high percentage of protein and pay attention to quality in terms of ingredients and nutrition.

You should also know that the pet food label can often be confusing and misleading as the companies use the same marketing strategies that they apply to human foods. So terms like “wild” or “all natural” don’t mean a thing. Instead, look for The Association of American Feed Control Officials (AAFCO) statement, which is the only guarantee that pet food meets the organization’s standards.

In addition, always carefully observe your pet to see how he/she reacts to food. If they are not vomiting and the coat is nice and healthy, then you have found the right food.

Save money on dog food

Another great way to save money on pet food (especially dog food and cat food) is to prepare it yourself. Although it can be a little time-consuming, you can definitely save money by using ingredients from the refrigerator. In addition, you’ll know exactly what your pet is eating, and that’s priceless. You can always do a quick internet search with terms like “make dog food” or “homemade cat food” to find healthy and affordable ways of preparing the food for your loved ones.

For example, dog food and cat food recipes should include a protein source (found in liver, fish, eggs and muscle meat), a fat source (from fish, canola, olive or safflower oil), fiber-containing carbs (from barley, oats, sweet potato and brown rice) and a phytochemical source (from herbs, vegetables and fruits).

However, make sure you are not over-feeding your pet, as it could lead to serious health issues such as obesity and food bloat, and you would have to pay for the veterinary care. Therefore, do a proper research and find out exactly how much food your pet needs and stick to that amount. After all, your pet health comes first!

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4. Pet Supplies and Toys

When it comes to pet supplies, the best way to save money is to shop online. You have a wide range of online retailers such as Amazon, HomeGoods, Petco, PetSmart, Marshalls, Wag.com and 1-800-Petmeds, and by investing time and doing proper research you can purchase pet supplies for the fraction of the price you usually pay.

For example, you can find pet toys, beds and water/food bowls at these online pet retailers for up to 50% less. You can also use discount gift cards from sites like Gift Card Granny and get a 35% discount on your favorite retailers of pet supplies.

Another great way to save money on pet supplies is to avoid purchasing pet-specific toys. Instead, use what you already have or purchase toys in a dollar store. For example, a bouncy ball for a child will be great for your pet as well. You can even make your own “toy” using basic household items, like paper.

In the end, your pet doesn’t care about the dollar value – he/she only needs your attention. So it’s pointless to spend money on collar and fancy toys, as pets will always rather play with you than a toy. So spend time with them and love them, and in return, they will be happy and love you even more.

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5. Veterinary Care

We can all agree that pet health should be our main concern. Therefore, people looking to save money and make sure their pet is healthy should invest in preventive care.

Regular exams can save a pet’s life and the pet owner’s money by eliminating or reducing the risk of health problems that can be really expensive to treat. Emergency veterinary care usually costs several times more than a regular office visit. For example, treating a periodontal disease will cost a few hundred dollars for anesthetic, teeth extractions and dental x-rays.

With that being said, you should definitely schedule regular visits to the vet. A proper veterinary care will include necessary vaccines that will protect your pet from many diseases. In addition, it can help catch any problems early on and prevent health complications that can be easily avoided.

To save some money, avoid buying medication from your vet as it will usually cost more. Instead, purchase pet meds online to save.

You can also invest in pet insurance, but there is no guarantee that it will turn out to be a good investment. Therefore, it would be better to self-insure by depositing a small amount each month and saving it for a pet emergency.

And finally, the best way to save money and prevent additional veterinary care is to make sure your pet exercises regularly. This will help support joint mobility, cardiovascular health, weight management and improve overall pet health.

Of course, pets don’t know how to exercise and they won’t do it on their own. You need to spend time with them and play, and that’s when they’ll be the most active. For example, you can go for a long walk with your pet or simply play with him/her indoors. The type of activity will greatly depend on the type of pet you have.

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6. Grooming

Grooming your pet yourself is another way to save money and avoid paying a professional. You can learn how to trim the hair, cut nails and give them baths by watching YouTube tutorials. You can find affordable pet grooming supplies at 1-800-Petmeds.

However, if grooming on your own sounds scary, you can book an appointment at Petco or PetSmart and make sure your pet gets professional service at an affordable price.

Takeaway Notes

Having a pet is like having a family member – you are going to love them and care for them. However, pets will also “take away” a part of your monthly budget, as you’ll have to purchase pet food, pet supplies and pay for veterinary care, which can be quite expensive.

Therefore, you should save money on pet costs by purchasing at Petco, PetSmart and 1-800-Petmeds (they usually have the cheapest prices).

And finally, make sure you spend enough time with your pet because there’s no money in the world that can replace your affection.

Smart Ways to Save Money on Pet Costs (2024)

FAQs

How can I save money on pet care? ›

By giving your pet the right amount of physical activity in an enriched environment and keeping their weight at a healthy level, he said, you may be saving yourself a walletful of trouble. In addition to keeping your pet at a healthy weight, the type of food you buy can also help you cut costs.

How can I cut down on pet costs? ›

Here are a few tips to help you save money on your pet's health care.
  1. Schedule Regular Check-Ups. Don't skip your pet's yearly exam. ...
  2. Personalize Your Pet's Vaccines. ...
  3. Spay or Neuter Your Pet. ...
  4. Brush Your Pet's Teeth. ...
  5. Protect Your Pet from Parasites. ...
  6. Toss the Cigarettes. ...
  7. Consider Pet Health Insurance. ...
  8. Buy High-Quality Pet Food.

What is generally the biggest expense to owning a pet? ›

Annual costs of owning a pet can range from several hundred to several thousands of dollars. Food is the biggest cost, along with vet bills. Pet insurance is one way to manage the medical part of the expense of caring for a pet.

How to save on vet costs? ›

Try these cost-saving tips.
  1. Lay your financial cards on the table when talking to your vet. ...
  2. Kick the once-a-year vaccine habit. ...
  3. Don't neglect preventive health care. ...
  4. Feed your pet the right amount. ...
  5. Investigate options for paying your veterinary bills. ...
  6. Invest in pet insurance. ...
  7. Price shop for your pet's prescriptions.

What is a pet savings plan? ›

What Is a Pet Savings Account? While many pet parents purchase pet insurance, others plan and budget for their pet's regular vet visits and unexpected medical expenses by opening a pet savings account. The savings account is a place to park money you don't plan to spend immediately.

Why is pet care so expensive? ›

Salaries. It takes a lot of people to provide health care for pets. Pet owners see the receptionists, veterinary technicians, and veterinarians, but they may not see the multitude of animal care personnel who work diligently cleaning kennels, feeding patients, walking dogs, mopping floors, and washing bath towels.

How do I negotiate a lower vet bill? ›

How Pet Owners Can Negotiate Vet Bills and Find the Lowest Prices for Treatments
  1. Understand the Costs. ...
  2. Ask for Detailed Estimates. ...
  3. Explore Payment Plans and Pet Insurance. ...
  4. Utilize Telemedicine Services. ...
  5. Negotiate. ...
  6. Shop Around. ...
  7. Leverage Community Knowledge.
Mar 30, 2024

How much does a pet cost a year? ›

So, how expensive is a pet really? The average cost of owning a dog is around $1,400 per year. The average cost of owning a cat is around $1,200 per year. But, every pet is different and the cost of living has increased for people and pets alike.

How can I avoid big vet bills? ›

I'm a Veterinarian: Here Are 5 Pet Care Tips To Help You Avoid Costly Vet Bills
  1. Be Proactive. Being proactive about your pet's health, even if there are some initial fees, can reduce the risk of expensive vet bills down the road. ...
  2. Use Telehealth. ...
  3. Get Vaxxed and Sterilized. ...
  4. Look for Adoption Assistance. ...
  5. Get an Emergency Fund.
Oct 21, 2023

How expensive is a dog per month? ›

According to our survey of more than 1,000 dog owners, most spent an average of $40 to $290 per month on their dogs — or an average of $480 to $3,470 annually.

Is owning a pet a luxury? ›

No, those of us who have dedicated our lives to animal health tend not to consider household pets luxury items. And if my read of millennial culture is on target, this seems truer of today's pet owners than ever before. (BMW or shelter dog? We know which one they're more likely to consider essential.)

What's the real cost of owning a pet? ›

You can't overlook more routine, day-to-day expenses either. The ASPCA estimates the average annual costs of owning a cat or dog ranges from $700 to more than $1,000, depending on the size and breed of the animal. “Even just the diet can be quite expensive,” Dr.

Why are vet bills so high? ›

And that's in a tougher regulatory environment. In veterinary medicine, there is no giant entity like Medicare capable of pushing back on prices. There is no requirement, in fact, to provide care at all, no matter how dire the animal's condition. Payment is due at the time of service or there is no service.

How much is reasonable to spend on vet bills? ›

Overall vet costs including wellness check-ups, dental care, lab tests and vaccines can total between $700 and $1,500 per year.

How much does the average person spend on vet bills? ›

Average cost for a veterinary visit for dogs and cats
StateAverage cost for a veterinary visit for one petTotal cost for a veterinary visit with two pets
Texas$58.75$104.30
New York$66.65$118.50
California$71.95$128
Average$60.96$108.39
4 more rows
Mar 29, 2023

What happens if you can't afford to treat your pet? ›

If your animal requires emergency veterinary care and you can't afford treatment, contact nearby veterinary colleges to see if they have any emergency assistance programs. If you are unsure what qualifies as emergency veterinary care, call your veterinarian and describe the symptoms.

What is a reasonable amount of money to spend on routine vet care? ›

Routine Check-Up Exams

Your pet should visit the veterinarian at least once per year for routine care, which costs an average of $50 to $80 for a cat or dog.

How much should I spend on pet care? ›

A: The first step to budgeting is to understand what your pet needs, and how much you could end up spending each month or year, or over a pet's lifetime. The average monthly costs for cats are around $80 to $250, while monthly costs for dogs range from $100 to $300.

How much does the average person spend on pet care? ›

From 2013 to 2021, average pet spending per household in the U.S. increased 67%, from $460 per year in 2013 to $770 per year in 2021. However, in 2022 pet spending dipped back down to an average of $741, thanks to older generations cutting back on spending.

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