Providing for your pawsome pals

Pets can bring so much joy to everyone’s lives and can make a home feel complete. However, they do come at a cost. Therefore, like all financial decisions, they need to be carefully considered and planned for before they arrive. This post will tell you how to provide for your pets.

From food to vet bills and insurance, the expenses can soon add up and the cost is far greater than simply the cost of buying the pet. Having recently picked up my own puppy, I decided to document the key expenses and considerations and offer some advice on how best to prepare.

My pawsome pal

Budgeting to provide for your pets

Like all financial decisions, the key thing is your budget. If you create a budget, or add your pet into your existing budget, it should be relatively straightforward to provide for your pet’s needs and still meet your own personal and saving needs.

According to the PDSA, one of the UK’s leading animal charities, the average monthly cost of a dog is as follows:

  • Small dog: £50
  • Medium dog: £65
  • Large dog: £80

More information on what to expect in terms of costs can be found on the PDSA website.

The basics of providing for your pets

Getting ready for the arrival of your pet comes with a substantial cost, but is crucial to do this to provide for your pets properly. From buying a bed, to a collar, identity tags (required by UK law from dogs), toys and much more. Making sure you have everything ready to make your pet feel comfortable is crucial, but you shouldn’t underestimate the cost.

The PDSA estimates the initial costs for dogs as follows:

  • Small dog breeds: £370
  • Medium dog breeds: £395
  • Large dog breeds: £425

Another large outgoing is microchipping, which is required by law. This is not included in the above estimates. Some breeders will have the puppy microchipped prior to you collecting it. While this will save you time and a trip to the vets, it won’t necessarily save you any money, as they will probably add it to the price.

Food/ other regular costs

After the initial expenses, there are ongoing monthly costs. These include, but are not limited to, food, hygiene and cleaning equipment, and insurance – which I’ll cover in more detail later.

There are plenty of different food brands of varying costs, meaning it is possible to save some money here. However, the cheapest option won’t always be best and, just like humans, it’s important your pet gets all the nutrients they need to grow and stay healthy. It is worth talking to your vet to see what they would recommend.

Vet bills

As a minimum, pets need annual injections and check-ups. For reference, a starter course of puppy injections is usually around £100. In the UK we’re fortunate to have the NHS for our medical needs, but there is no equivalent for animals, so these come at a cost. Healthcare is expensive and the bills can rack up very quickly.

On top of these preventative treatments, if your pet gets ill or injured you will have to pay for this too.


One way to minimise your unexpected vet bills is to get insurance. This will make sure your pet is covered in the event of illness or injury.

I spent time searching the internet to compare pet insurance quotes. There are lots of pet insurance companies out there so it’s important to shop around and get a range of quotes.

However, you shouldn’t just opt for the cheapest quote. They all offer different levels of coverage and will only pay out a certain sum of money for treatment. As the bills can mount up quickly, you could still face a large bill if your pet is not adequately insured.

How to provide for your pets in the event of a relationship breakdown

We’ve now covered the general expenses, but there are also more complicated legal aspects to be considered.

It’s perfectly normal for a couple to get a pet together, in fact lots of couples do. While this is a really exciting and positive thing to do, it is worth considering what would happen if you were to break up or get divorced.

In English law, pets are treated as property rather than dependents. This means that custody arrangements, which are commonplace with children, cannot be ordered by a judge. Instead, if couples can’t agree on how their pet will be looked after, they could be ordered to give the pet up. This would obviously be very traumatic and upsetting for those involved, so should be avoided at all costs.

What can I do to prevent this?

In short, there is no legally binding action you can take to fully protect yourself in the event of this scenario.

Pre-nuptial agreements are currently not binding in English law. However, lawyers and judges will take them into consideration when determining settlements.

Pre-nuptial agreements are currently not binding in English law. However, lawyers and judges will take them into consideration when determining settlements. Therefore, it could be sensible to have a pre-nup detailing the arrangements for your pet if your relationship does breakdown. It may not be followed, but – if it is fair and neither party is unfairly disadvantaged – it is likely to at least be seriously considered.

Another option is to come to your own amicable arrangement – of course this is much easier if they breakup or divorce is conducted on friendly terms. When children are involved, it’s not unusual for the pet to follow the children. This also offers the children some continuity in what can be a very unsettling time.

Could a Will help me provide for my pets?

Again, this is a precautionary measure. While you’re not expecting anything bad to happen to you, it’s important to be prepared and make sure your pet will be well cared for in the event that something happens to you that means you can’t be your pet’s carer anymore. I speak more about the importance of Wills in this place.

There are two main questions you need to consider in your Will for your pet.

  • Who will look after your pet?

Much like your money, or any other asset, your Will should state who you want to inherit your pet. It’s important to think carefully about this.

Is the person you want to look after your pet allowed to keep animals in their home? Do they work long hours, meaning your pet would be left alone for long periods of time? These, and many other questions, all need to be considered because they may be forced to give your pet up if it is not practical for them.

  • How will they pay for all of the above expenses?

There are many different ways to bring up a pet and a lot of the expenses are technically optional. Will the person(s) you are entrusting your pet to be able to keep up with the money you have been spending on your pet or will they look to try and save some cash?

Can I leave money directly to my pet?

In short, no. There have been rumours of pets being left huge sums of money- like Karl Lagerfeld’s cat, who supposedly inherited a large chunk of his $300 million fortune.

But, as pets are viewed as property in the eyes of the law, they are prohibited from owning money or any other asset.

If you wanted to leave money to your pet, you could consider putting it into a trust. It would then need to be managed by a (or a group of) trustees, who could distribute money for the pet’s expenses as required. This can become a complex legal process, so if you’re considering this option, you should take professional advice. You wouldn’t want to spend time and money on this, only for it not to be properly executed.

If you found this post interesting, please like it and share across social media or send it to your friends. I’d also love to hear your thoughts and experiences, so please do leave a comment! Do you have pets? If so, how do provide for your pets?

23 responses to “Providing for your pawsome pals”

  1. […] saved myself over £230 this way last week. My dog’s pet insurance was up for renewal, and they wanted to put the payments up from £36 a month to £57. I phoned them […]

  2. […] little pup had a lot of veterinary treatment. The vets and vet nurses were all amazing and treated him so well. […]

  3. Paige – UK blogger behind :: 19 :: BA business management :: university student ::

    This is such a great post; and completely agree how it is so important that people take the time to research the ins and outs of having a pet, and also know that something could just go wrong! Incidentally; our small dog ends up costing more than our adopted big one as she has allergies both with her skin and food which we couldn’t have predicted but need medication etc for. Wouldn’t change her for the world though – both our dogs are our babies!

    Paige // Paige Eades

  4. Ah this is a great post – it’s so important that people realise there is so much involved with having pet – it’s a big responsibility. I love my pets so much 🙂

  5. My husband and I really want to get a dog, but it’s so hard to estimate how much it’ll end up costing between upfront costs, regular vet checkups, and emergency medical bills. We just moved and are hoping after things have settled down in the new house that we’ll have enough money left over for a pup. At the end of the day, if we aren’t financially ready for a dog, we’ll probably have to wait. Great post!

    1. The Twenty Percent – United Kingdom – Hi I'm Katie and I use my blog to help young people take control of their personal finances.

      I hope you manage to work it out and get a dog- they bring so much joy. But you’re right, it’s important to wait until you’re financially ready!

  6. Izzy Matias – I’m Izzy, a multi-passionate creator sharing her fangirl approach to life at I help content creators build their dream blogs by being unapologetically themselves.

    I love how detailed this post is & how it reminds you of the financial side of owning a pet before deciding to take the jump. That’s so cool that you can get pet insurance in the UK – and wow I never knew that it was required to have your microchipped!

    1. Izzy Matias – I’m Izzy, a multi-passionate creator sharing her fangirl approach to life at I help content creators build their dream blogs by being unapologetically themselves.

      *your pet microchipped

    2. The Twenty Percent – United Kingdom – Hi I'm Katie and I use my blog to help young people take control of their personal finances.

      Thank you! I always thought pet insurance was a thing everywhere- but maybe we’re extra lucky in the UK!

  7. As a pet owner six times over, I love this post and he breakdown of costs you gave! Pets can definitely be expensive but super worth it ❤️

    1. The Twenty Percent – United Kingdom – Hi I'm Katie and I use my blog to help young people take control of their personal finances.

      I agree! Their cuteness is worth every expense!

  8. lifestyleseason – Lifestyle, Fashion & Beauty Blogger!

    Great post! Thank you for sharing! This is very useful and important!

  9. Charlotte – Psychology graduate writing for my lifestyle blog, Take a Paws. I blog about my puppy Clover, food, fitness, travel and lifestyle as well as disordered eating and diet culture.

    I brought home my first dog last year and gosh has she cost me some money! She’s a trouble maker and likes chewing things. We’ve had to have her forced sick by the vet 3 times in one year, costing us around £900. (Most of which we have claimed back on insurance).
    I budgeted for her before bringing her home but I never thought I’d be paying so much more. Plus breeder’s prices are incredibly expensive here in the UK right now. I bought Clover for £550 which was lower than the average cost of a cavachon at £700-£900 at the time. Now, breeders are asking for £2000 !!! It’s absolutely crazy.

  10. This is a really great post! It is a lot to have a pet, but it is something i’d love once I move out with my boyfriend. Thank you for sharing the costs of pets and how to provide for it – I think it is something a lot of people forget when looking to buy a pet!

    Em |

  11. A lot of people underestimate the costs associated with owning a pet. For example, veterinary costs. It’s SO important to consider the fact that your pet CAN get injured, so you need to be prepared for that financially – not just the ongoing medical costs. My girl Dav ended up getting stitches across her muzzle shortly after I brought her home because she ran face-first into the side of a futon while playing with her toys lol

    1. We were fortunate to get our little kitten relatively cheap a couple of years ago but since then there’s been so many more treatments and other relatively unknown costs that we hadn’t even taken into consideration! The wife and kids really want a dog next so this was an interesting post with some things to consider! Thanks 😊

  12. jerserry – malaysia – Hi there, I’m Jess
! I am a blogger living in Kuala Lumpur. This is my blog where I post about my lifestyle story. I start my blog since May 2017, trying to be a full-time blogger and I love to write all the time, I also found out is a great place to meeting so many amazing people from all around the world through the blog.
 Let's Be Friends!

    This is a really nice post, good advice!
    is good to know more before you get a dog. many people love dog but they though is easy but they don’t know anything you need to paid (even maybe more money) that why many people get the dog first and left them in the end.

    Jess (

  13. Lisa's Notebook – I'm Lisa, a Freelance Content Creator & Content Writer from Bath, helping brands and businesses connect with their ideal clients. I'm also a mum of one, cat concierge, gardener, gin, and tea lover, and Plantagenet enthusiast! Find me over on:

    The point about leaving money in trust for your pet(s) is such a good one. It’s all very well asking someone to care for your animals if the worst happens but they shouldn’t have to do it out of their own pocket either. Great post, really helpful advice. Lisa

  14. Hi Katie, loved the blog. My two furry friends are sleeping right now and it’s raining outside. Learning to find happiness in small things 🙂

  15. Thecaskconnoisseur – Hello Everyone, This is Luke here, the aim of my Website is to provide an insight into The UKs Brewing Industry and also The Whiskeria Industry, I am really looking forward to bringing you many reviews for you to indulge yourself into.

    I can probably see why it’s a lot of money, but the way I see it is that your paying for a bundle of joy and happiness, I would love a dog, maybe two dogs, I’ve said I’m going to get one, I just sometimes think why wouldn’t you!

  16. Brilliant advice. Getting a pet is a huge commitment and one that requires a lot of thought, I wish everyone was as sensible though. People who give up on their animals make my blood boil.

    Thank you for sharing x

  17. Michelle (Boomer Eco Crusader) – Canada – Hi there! I’m Michelle and I live in Kitchener, Ontario, Canada. I am married with two young adult daughters. I’m a big fan of reducing waste, using less plastic, decluttering and simplifying life as much as possible.

    This is really good. Many people don’t think of the financial cost of owning a pet. And…cute pictures by the way. I said a lot of AWWs as I was reading this.

  18. Love this breakdown of the less fluffy sides of owning a pet! My BF and I are constantly talking about how we would love a dog, but not super practical in our current cute but shoebox-like apartment … Also – congrats on 20 posts! Hoping to get there myself over the next couple months 🙂

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