Managing Pet Costs During the Cost of Living Crisis

The cost of pet food, toys and enrichment, furniture, grooming supplies, and other essential items can become a burden for pet owners during the cost-of-living crisis.

Veterinary services, including routine checks, vaccinations, emergency care, and medication can be costly. During times of financial strain, pet owners can have difficulties paying for these services, potentially leading to neglected healthcare for their pets.

Still too many property owners do not accept pets and accommodations that allow pets can come at a higher cost. In some cases, pet owners facing financial difficulties may need to downsize their living arrangements or move to more affordable homes, which may limit their options for pet-friendly housing.

If pet owners are facing longer working hours or business trips, they might need to rely on pet daycare, dog walker, cat sitter or boarding facilities to care for their pets. These services can add to the financial burden during times of economic crisis.

In some countries a dog handler certificate/license is required to walk a dog off leash or to adopt a dog. Usually, dog schools, municipalities or animal shelters offer this course and certification for dog owners and future dog owners. In some cases, a theoretical and practical exam is required depending on the legislation in the country.

Dog registry and tax fees are additional expenses that can strain an owner’s budget costs. If a dog is a so-called dangerous breed, it will very often have to be registered as per the national legislation.

In many countries identification and registration of pets is required by national/local legislation and this always comes with additional costs.

Unexpected medical issues or accidents involving pets can put additional strain on a tight budget. Emergency veterinary care can be extremely expensive, and pet owners can struggle to afford these unforeseen expenses during a cost-of-living crisis.

Compare pet food, treats, healthcare products and equipment across shops and online stores. Use coupons, promotions and bulk offers where appropriate, and store products correctly. More expensive food is not necessarily better, so compare labels and nutritional quality.

Making food and treats yourself can save money and give you control over the ingredients. However, ensure homemade food meets your pet’s nutritional needs and avoid foods that are harmful to dogs and cats.

Animal welfare organisations, shelters and food banks may provide free or discounted pet food and other support for owners experiencing financial difficulties. Check what assistance is available locally.

Unexpected illness or injury can result in high veterinary bills, including costs for surgery or ongoing medication. Pet health insurance can help reduce this financial burden. Compare policies, prices and coverage to find one suited to your pet’s needs.

Do not skip preventive check-ups, vaccinations, necessary medication or parasite prevention to save money. Preventive care can help avoid more serious and expensive health problems. Also look for organisations offering free or lower-cost veterinary consultations.

Review your pet-related spending, prioritise essential needs and find cost-effective alternatives. Regularly putting money into a dedicated savings account can help you prepare for unexpected expenses.

Feed your pet an appropriate, balanced diet that provides the nutrients they need, including proteins, fibre, vitamins and minerals, and always provide fresh water. Keep your pet at a healthy weight and ensure they get enough exercise. Brush your dog’s or cat’s teeth regularly and provide rabbits and guinea pigs with appropriate food to help maintain healthy teeth. Also consider seasonal health risks, such as flystrike in rabbits, grass mites in dogs and cold weather in cats.

Expensive toys and equipment are not essential. Make safe enrichment items yourself, use household materials where appropriate, or buy suitable second-hand products. Playing, training and teaching new tricks can provide enrichment and strengthen your bond without costing much.

Regular brushing and, where appropriate, bathing, nail trimming and other basic grooming can reduce costs. Seek professional guidance before attempting tasks that require particular care or experience.

Friends, family and neighbours may help with pet sitting or dog walking, reducing the need for paid services. Pet-owner communities can also provide advice and practical support. Use your own or others’ skills to make toys, shelters and other pet items or to help with training and grooming.