kitten puppy asleep hugging one another

14 Ways to Cut the High Cost of Pet Care

It is no surprise that pet lovers and owners treat their animals like their children. If the cost to keep your fur babies fed, healthy, cared for, and looking good has gotten so high, you’re the one coughing up fur balls—take heart. There are many little ways to cut the cost of pet care that can add up to big savings.

kitten puppy asleep hugging one another


If the cost to keep your pets fed, healthy, cared for, and looking good has gotten so high, you’re the one coughing up fur balls, take heart. There are many little ways to cut the cost of pet care that will add up to big savings.

According to one survey, owning a dog costs an average of $1,480 in basic expenses annually. For cats, average annual expenses amount to roughly $902. Fish are the cheapest pets coming in at about $750 a year to care for aquatic friends.

So how can you afford to care for your furry, feathered, and scaled friends in sickness and in health? Make preventive maintenance your top priority as a pet owner, and then carefully track every expense.

Consider these tips to help cut your pet expenses without risking your pets’ health or well-being.

How to Cut the Cost of Pet Care

Free exams

Search for free initial exams. Local veterinarians often advertise a complimentary initial examination as part of marketing to attract new customers. Take advantage of the offer. This kind of office visit typically runs between $40 and $60.

Senior man hugging his dog on his lap on bench

Mobile, low-cost clinics

Check around for low-cost or mobile clinics for vaccinations, microchips, heartworm, and flea preventatives. While you may want to stick with the same vet for annual exams, you can save a bundle on preventive services.

Search  “low cost animal clinic near me” to learn if such a clinic is available for you and your pets.



A fence or some other reasonable restraint is the best way to avoid big vet bills, says David T. Roen, D.V.M., board-certified veterinarian and owner of the Clarkston Veterinary Clinic in Clarkston, Wash. “I see more dogs in my office because of injuries sustained while unrestrained than for any other reason. Dogs should always be leashed, fenced or supervised.”


A large lawn in front of a fence

Choose the right food

Dr. Roen advises pet owners to skip all the fancy premium foods vets sell. Use name-brand pet food labeled “complete and balanced.” Or look for the seal of approval of AAFCO (the Association of American Feed Control Officials).

And when it’s on sale, stock up with enough to last until the next time it goes on sale. Stick with the same brand. Switching abruptly can cause health issues for some animals. And less is better, as slightly underweight pets have fewer health problems.


Spay and neuter

Reproductive issues aside, the Animal Health Foundation reports that spayed and neutered dogs have fewer health and behavioral problems, which translates to lower vet bills and other health-related pet costs.

Make wellness routine

Some pet supply stores offer in-store clinics and special events. Humane societies and veterinary schools offer low-cost clinics where professionals administer inoculations and wellness exams. Keep good records of your pets’ inoculations and treatments

Forget pet health insurance

Dr. Roen says that Pet insurance will probably cost more than it saves. Still, you need to anticipate future medical bills. “Instead of sending premiums to an insurance company, put the amount you’d pay in premiums into a savings account.”

Get second opinions

Even if it’s an emergency, get a second opinion if the estimate is for more than a few hundred dollars. If the estimate is for $800 and you can only afford $400, speak up, says Dr. Roen. There may be less aggressive and cheaper alternative treatments.

A cat lying on a bed

Shop around for medications

Don’t buy medication at the vet, as most veterinarians who sell medications and supplements directly typically charge a big markup. Ask your vet for prescription drug samples to get started. Then call around to retailers such as Wal-Mart or Costco pharmacies (many meds are the same for humans and animals) to compare prices.

To save even more, sign your cat or dog up on prescription savings programs like the ones offered by Walgreens, Kroger, Rite-Aid, and Walmart.

A small dog sitting on a table

Exchange pet sitting

Hiring a pet sitter or boarding at a kennel can run from $40 to $80 per pet, per night. Ouch! That adds up fast. Instead, exchange pet sitting with a friend or neighbor when you travel and need sitting. Choose someone you trust who doesn’t vacation more than you do, so it’s an equal exchange.

Find the bargains

Don’t rush to the pet store when you need a crate, cat carrier, or other pet equipment. Instead, look at, and Facebook Marketplace. You won’t believe all the bargains in gently-used, even brand new, pet gear. Make sure you sanitize crates, carriers, and the like, even if they look clean. A 50-50 ratio of either vinegar OR bleach (never mix the two) to water should do the trick.

Look for coupons

Just the other day, I saw a coupon in a flyer for a free nail trim at a local vet, a savings of $15. Keep your eyes open for coupons in the mail, grocery, and pet stores.

Check yard sales

You can safely never again buy new toys for your pets when you think of yard sales instead. Instead of $12 for a new monkey or hedgehog, one from a yard sale will work just as well—for a much better price of $.25 to $1, which is typical. Most stuffies come out fine after a trip through the washer and dryer. Hint: Add Lysol to the wash cycle to sanitize and disinfect.


A dog sitting on top of a building

Create an account

Seriously, you need to establish a savings account just for pet care, into which you regularly deposit money. Even $10 a week will turn into $520 in one year. Earmark that account for pet emergencies only, then congratulate yourself on being a responsible pet owner. Woof!


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8 replies
  1. Akshay Manohar says:

    I couldn’t agree more with your post about the benefits of owning a pet. My pet brings so much joy and love into my life, and it’s great to see others recognizing the positive impact that pets can have on our mental and physical health.

  2. SJ Francis says:

    I love the tip about “forget pet insurance.” As a long time pet owner of multiple pets over the years, I once sat down and seriously thought about purchasing pet insurance. I solicited quotes from multiple pet insurance companies but when I ran the numbers I thought it was crazy. For a minimum of $25.00 per month per pet (6 pets at the time) I would still have to pay a deductible and co-pay. And if I didn’t use the insurance, I still had to pay and have nothing to show for it. I decided to set up a savings account for pet emergencies instead. I set it up where a set amount is automatically taken from my paycheck each check and deposited for our pets. We’ll all set up for emergencies and routine trips to the vet no matter what. I highly advise this way over purchasing pet insurance. Start small. I began with just $5.00 a month to now $150.00 a month and the result is few thousands for pet emergencies. Either way, whatever you don’t spend will sit and earn interest rather than go to a company who gives you nothing in return when you don’t use the insurance. Even a small amount of money in an emergency is something.

  3. Linda Radosevich says:

    I discovered that Sam’s Club had my dog’s prescription medication for much cheaper than a mail-order business. Handier too!

  4. Sally says:

    Check out Chewy online for pet RX’s. We save alot of $$ by asking our vet to send them a RX. Much cheaper and is delivered.

  5. lwt says:

    while i agree that shopping around for the best price in medications [or anything, for that matter] is a good idea, we should keep in mind that traveling 20 miles to save a dollar defeats the purpose. gas and shipping and handling charges can tack on extra costs.

  6. Sheryl says:

    The picture of the two cats look pretty much just like my sister and brother cat except at a little younger age. Because so many people got pets during COVID, making appointments is that much more difficult, and the price of services like everything else skyrocketed. My vet actually charges $25 just to clip their nails. Guess what the first thing I learned how to do was?

  7. Dana says:

    We got a cat that came with our house. The first time we took our cat to the kennel, we carried her in a plastic storage box with holes drilled in the top. The kennel gave us a real cat carrier and told us they had lots of them that were left behind or that people donated. It was in great shape and the kennel was glad to get rid of it.


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