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What's the Real Price Of That Doggie In The Window?

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By Jerilee Wei


When A Free Dog Wasn't So Free


The True Cost of Beauty

Recently while dropping off our beagle at the veterinary hospital, I overheard an elderly woman say, "I didn't think things would get so bad that I couldn't afford to feed my little dogs or afford their medicine."

That heart breaking statement came back to haunt me in spades a week later. The veterinary bill for our dog -- $2,784.66 when I went to pick her up! What was worse, was that it was due in full immediately!

People are passionate about their pets. That's particularly true of our cats and dogs, especially here in America. However, passionate pet owners are also found all over the world.

Pets are considered family members, they do what we do, go where we go, and we need them as much as they need us. However, in today's economic times, we sadly might be needing to rethink our concept of whether or not, we can afford to add another non-human member to our households.

Beauty, our beagle, is eleven years old and just like us, is starting to have some old age problems. We are acutely aware that her days are numbered. This last expensive round of diagnostic tests, subsequent surgery, and boarding has really hit hard in our home -- the realities of the true cost of owning a pet in today's belt-tightening economy.

This latest veterinary bill started a round of family discussions. We calculated that in the ten years that we've owned this one dog, we've spent nearly $16,000 that we can verify. That's around $1,600 a year and more than $133.33 a month. Once she is gone to doggie heaven, we are going to think long and hard about owning another dog. It may be far too expensive.

What are the Costs of Owning A Pet?


Purchase or Adoption Costs

While purchase and adoptions costs, can pale in consideration to veterinary hospital bills -- it is part of the owning a pet cost equation. Our beagle came to us as a "free" dog. Acquaintances owned her, she didn't pan out in their eyes in terms of being a good hunting dog (gun shy) and was left to live under their foundation. Left on her own she would get into the garden and dig. Left on her own, she was into the garbage cans. Soon, they didn't want her anymore. We either took her, or she was to be put down.

She wasn't always an integral part of our family life. Largely devoid of human contact in her first year, as beautiful as she was to look at -- she was lacking in lovable traits. It took nearly six months before she would come to us and that required having food in hand. Even years later, she would hide in the woods above our house until they left, if anyone came to our farm.

So, Beauty fell into the category of pets that need adoption and she was one of the lucky ones. It may shock you to know that free or inexpensive adopted pets, can be more expensive in the long run, than a dog from a reputable breeder. Why? Because of poor breeding problems and behavioral issues.

That said, though I personally believe that pet adoption should be a serious consideration. There are just far too many dogs and cats in need of good homes.

Generally, you can expect to pay between $50 and $1000 and up to purchase a puppy or cat.


Pros and Cons Pedigree Pet Purchase

Pros:

  • Breeder can guarantee health, pedigree, and lack of genetic defects.
  • Larger choice of puppies, kittens and and choice in different breeds.
  • Future income in breeding of pedigree dog.

Cons:

  • Some pedigree dogs and cats have inherit health problems due to inter-breeding.
  • High cost of initial purchase of pet.
  • Temperament problems with some pedigree pets.

 

Pros and Cons Pet Adoption

 

Pros:

 

  • Saving the life of a pet that would otherwise be put down.
  • Less expensive initial outlay of cash.

 

Cons:

 

  • May have bad genetic defects or illnesses.
  • Lack of information due to temperament of parents.
  • Lack of information of history (i.e. has the animal suffered any abuse or neglect).

 


Veterinary and Medical Costs

Veterinary and medical costs for our pets can be daunting and you must understand from the beginning that a responsible pet owner will be spending money every year on veterinary bills. The hard cold cost facts are:

  • Routine annual exams $45 to $150.
  • Routine annual vaccinations and boosters $20 to $150.
  • Worming and fecal exams $20 to $50.
  • Spraying or neutering $50 to $250.
  • Heart worm testing and medication $25 to $130.

All of the above are just the basic pet costs for routine care and preventive medicine care that a responsible pet owner should and will incur. Additionally, over the lifetime of your pet you can expect that they may need dental care. Dental care can cost as much or more than care for our own teeth. For example: One impacted tooth removed and the cleaning of teeth for our dog -- $900!

Consider, that pets can and do get many of the same illnesses that we do as they age. Pets can become diabetic. Pets can and do get cancer and tumors. Pets can have problems with their hearts, their kidneys, and their joints. For example: Many dogs get spurs and arthritis along their spine in their last years -- medication to keep them relatively pain free and mobile can cost $90 a month.

This means, that on average, your veterinary and medical costs could be from $200 to $800 per year, even if your pet is healthy.

Are you willing and able to make that kind of financial commitment for the 10-14 years that the average dog lives, or the 15-17 years that the average cat lives?

How to Save on Veterinary Costs?


Feeding Them

Feeding our pets largely depends on where we live, what we feed them, and the brands we feed them. The bigger the pet, the higher the cost. The more expensive the brand of pet food, the higher the cost.

Hard cold pet food fact -- costs annually: $420 to $800 a year.

It doesn't sound like a lot when you divide it by twelve months a year, but it is a commitment that will be made once you introduce a pet into your household.


Miscellaneous Pet Supplies and Extras

Miscellaneous pet supplies and extras can add up over the course of a pet's life. Consider:

  • Brushes, nail clippers and other grooming items
  • Food and water bowls
  • Collars and leashes
  • Pet stain removal cleaner
  • Periodic carpet cleaning
  • Repairs made to your home if the pet damages
  • Toys
  • Treats
  • Transport crate or box
  • Beds and bedding
  • Car restraints
  • Fencing in some cases
  • Brushes and grooming supplies
  • Flea and tick shampoos

Obviously, miscellaneous expenses could quickly add up to costing you between $225 and $2000 or more, over the lifetime of your pet.

You can't ignore the fact that these perhaps insignificant costs, will add up to a significant amount over the years.


Grooming of Our Pets

Grooming of our pets can be one of the least expensive parts of pet owning costs. However, it is still something that has to be factored into the true cost of owning a pet. Shorter haired animals will reduce the cost of grooming.

Do-it-yourself will also help reduce the cost of grooming cats and dogs. However, sometimes you will probably have to seek the grooming care of a professional. Some pets have special needs when it comes to grooming.

Grooming costs are generally between $50 and $500.


Licensing of Our Pets

There are a number of reasons why it is important to license your pet, the main one being that it is mandatory in most communities, and that you could find yourself with a fine for not doing so as it is generally proof of rabies vaccination.

The cost for licensing your pet in most areas, is roughly $7.00 to $20.00 per year. Over the course of a dog's life, that is roughly $70.00 to $280, depending on the number of years your pet lives.

Training of Our Pets

Additional costs can include the training of our pets, which isn't much of a concern with cats and other pets, but is of concern with all dogs. Dogs need obedience training.

You can do-it-yourself for free if you are knowledgeable or at least willing to learn. However, should you need the assistance of a professional, this could easily cost you:

It can cost $50 to $700 or more for obedience training.

The Emotional Cost of Our Pets

The emotional cost of our pets is a gray area that also should be considered. Unfortunately, I know way too much about the emotional cost of our pets. Beauty throws up every night now, despite her recent gall bladder surgery, that was supposed to cure that problem.

The vet is at a loss as to what is causing this. I am at a loss in how to cope with this, and her problems with incontinence, as I face an upcoming breast cancer treatments. I need my rest.

On the other hand, none of us can imagine life without her. She is an integral part of my 66 year old husband's emotional and physical health. She is the reason we can get him to take beneficial walks every day. She is his baby and the only one who can make him smile, when he is depressed.

Additionally, our eleven year old granddaughter, who lives with us -- literally adores this dog. Beauty is the first thing she tends to, no matter what hour she wakes up and the last thing on the planet she has to touch, love, and say good night to at bedtime.

This most recent surgery, is the second in three years for our beagle. We are all to aware that she is declining. We are all in agreement that if she seems to be in pain or suffering we will have to make that tough choice to put down this sweet little dog who has given us so much joy.

Given the number of years in the life of a dog or cat, you must weigh your ability and that of your other family members to handle the emotional part of saying goodbye to a beloved pet.


Pet Insurance As An Option to Reducing Costs

This is an area of pet ownership that you will need to research thoroughly. Compare pet insurances, very carefully, just like you would for your own health insurance.

Pet insurance, especially dog medical insurance and cat insurance, may be your best option for covering unexpected emergency and medical pet expenses.

Life long pet insurance may be worth it, depending upon the age, breed, and cost of the policy over the long term of your pet's life.

 

Boarding Our Pets

Boarding our pets sometimes is unavoidable or desirable. Sometimes, we have no choice if we have a business trip out-of-town or abroad. Sometimes, they don't fit into our vacation plans.

More and more, boarding of pets has become quite expensive, especially when you consider the hidden costs. Hidden costs come in the form of excrement fees, mandatory flea and tick bathing, exercise fees, fees for providing air conditioning, fees for providing special beds for older pets and mandatory booster vaccinations and exams prior to boarding.

Usually, it can cost approximately $17.00 per day to board a cat or a very small dog. The larger the animal the higher the boarding fee. Boarding fees can be more than $35.00 per day.

Is Pet Insurance Worth It?

Are pets the newest casualty to tightening our budgets?

  • Soon only the rich will be able to afford to own a pet.
  • I'll think twice before I buy another pet.
  • I'll always own a pet regardless of what it costs me.
See results without voting

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RSS for comments on this Hub

stevenschenck profile image

stevenschenck  says:
15 months ago

Jerilee What a great hub - we just adopted two Ausi Shep. pups and love them with all our hearts - They never listen to Rap and answer when I call, so I like them better than my kids. 

While this would not work for everyone, we set early limits on medical care - my feeling being that they do not understand all the trips to the vet, unless it can be fixed quickly we allow them to go on without prolonged treatments. 

I once was talking to a group of pet owners and said we gauge in the 500 range of treatment, and above that treatment is onerous for the dog.  My wife chimed in that when my medical treatment costs more than 10,000 she will have me put to sleep.   

People should watch out for excessive testing fees from vets, my first vet said that my pup needed almost 200 in tests, when I declined they said "well those tests are for people that love their dogs"  a friend recommended another vet and for 40 the dog got all required tests and shots.  

We have had the pups for two weeks now and they almost have us trained. Steven Schenck 

byee profile image

byee  says:
15 months ago

They say a dog is like a 2-year old that never grows up. You constantly have to clean up after them and care for them, but it's well worth it =).

Jerilee Wei profile image

Jerilee Wei  says:
15 months ago

I think steveschenck is right about setting some financial limits from the beginning, depending upon the circumstances. I also think that veterinary bills are like everything else -- they can be negotiated.

I also agree with byee, our pets are well worth it, even in light of the fact that Beauty had us up several times last night to check out something only she heard. LOL

I wrote the hub because too often people are not looking at the big picture when it comes to the true cost of owning a pet and need to seriously look at their individual financial situation before taking on such a committment.

Thanks!

hot dorkage profile image

hot dorkage  says:
15 months ago

Yep, I had to get rid of one of my two dogs, my husband couldn't just take the 2. I charged money for her, even the $200 was a drop in the bucket compared to the $500 yr for food, the vet, and the what not toys treats, etc. If they couldn't afford $200 they couldn't afford to keep the dog.

mistyhorizon2003 profile image

mistyhorizon2003  says:
15 months ago

Owning a dog or cat is now very expensive, but I don't think I could set a limit on what I would spend to save it's life, even if I had to do extra jobs, or negotiate a payment plan with my vet. I have all three of my cats insured and it costs me about £17 per month altogether. If you consider in my first year of owning just the initial two cats it was costing me £15 per month and I ended up claiming over £1500 back from the insurance company in bills (one kitten fell off the top of a wardrobe, the same kitten later got a really bad eye infection requiring a specialist, the other kitten cut open his pad on glass and required stitches etc). It was well worth the cost of my insurance premium. In the past I had a similar situation with my dogs, and in the first year the smaller terrier needed a knee operation (over £400), and the larger dog my Dobermann was taken seriously ill and subsequently died at only three years old. The insurance paid for the knee op on my terrier, the vets treatment on my Doberman, plus repaid me the £470 I had paid for the Doberman puppy in the first place. I estimate I had only paid out around a sixth of what I claimed back from the insurance in my premiums.

It is well worth researching the insurance companies carefully, as many set a limit on what they will pay out for any one medical condition, or a time limit as to how long they will cover your pet for an ongoing condition. Most will not pay for dental treatments unless the problem with the teeth is as a result of an accident such the pet being hit by a car. They will also rarely cover for prescription diets such as the ones for overweight pets, or for pets with kidney problems.

My basic advice as an ex-Vets Nurse would be not to take on either a dog or a cat unless you also take out reputable medical insurance, and try to avoid the supermarket branded insurance companies who seem to be the most reluctant to pay up when a claim is made.

Too often I have seen animals that could have been saved put to sleep because the owner simply hadn't got the money for the future bill, or was living on income support themselves so could not even commit to a long term repayment plan.

Jerilee Wei profile image

Jerilee Wei  says:
15 months ago

Remember: When it comes to obtaining insurance for your pets, the best time to buy a policy is when you purchase them -- while they are still young and don't have any pre-existing conditions. It will save you money over the life of your pet. It's good advice to find some sort of pet insurance.

Right now, there is a unprecedented number of pets being given up and put down due to the reality that people are finding out that they can no longer afford the luxury of owning a pet.

Dottie1 profile image

Dottie1  says:
15 months ago

Ohhhh, I miss my beagles. My father raised beagles for hunting when I was growing up and we also had a few for house pets. The picture in your hub reminded me of my favorite Beagle "Goldie".

After all the dogs passed on, me and my sister started bringing home all the stray cats in town.

Now that I had my own kids, I chose to not have any pets. Oh, the cost today and all the heart ache I suffered losing them as a kid. Great hub.

Jerilee Wei profile image

Jerilee Wei  says:
15 months ago

We may be approaching the uncomfortable decision of not bringing in any new pets once the cat and dog we now have are gone. Besides the expense, it's just so hard to lose them. Still, I can't imagine not having a pet in the house since I've literally never lived without one.

shibashake profile image

shibashake  says:
15 months ago

Some great information Jerilee. Its strange how some people will be trying to find free puppies online when the initial cost of buying the puppy is nothing compared to their regular maintenance costs. I have racked up I don't know how much in vet bills. Still though, the joy that comes from sharing my life with my dogs is well worth the cost.

Jerilee Wei profile image

Jerilee Wei  says:
15 months ago

I agree, still I urge everyone to really think the purchase of a new pet or additional pet through -- there are far too many animals being put down or in shelters, when the realities of the financial end of owning a pet sink in.

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