Once you’ve settled on where to get your pet, many “other” expenses are associated with one, especially a dog. These range from training to food to pet toys. There are also health-related expenses that are musts for any dog owner.

It is something to think about before you make your commitment, because it adds up.

Health Insurance

After choosing our puppy we decided to get health insurance. Most people do not get coverage but I figured you never know, and it is better to be safe than sorry. I have heard too many stories of very expensive doctor bills and people lacking the means or struggling to pay them. I feel this is one of the most important areas to be spending your money when deciding to have a dog.

I went with a company called VPI Pet and for the first year selected the superior plan with what’s called the pet well care protection premier coverage rider. The total cost was $546 for the year. It takes 10 days to activate the policy, so it is good to activate before your first vet visit.

The first year it pretty much pays for itself between all the visits for her physical exam, vaccinations, heartworm testing, fecal testing and spay or neuter. I will be getting $400 "back" from this policy, so out-of-pocket for insurance first year will be $146. That is a small amount to pay for peace of mind in case there is a medical emergency.

After year one, try to go down to a basic coverage plan, which is $270. At the beginning you see the vet often. My vet charges $40 per visit and then additional for any vaccinations or testing that needs to be done.

A visit can average anywhere from $60 - $140 depending upon your location. After 16 weeks -- which is when the rabies shot is given -- you do not need to see a vet as often except for spay/neuter or illness. You will need to have yearly physicals and continue rabies shots plus other vaccinations through the years.

Flea and Heartworm

Another expense is flea control and heartworm. These treatments are administered each month. Frontline, which is one brand of flea control costs $31.99 for a 3-pack for medium-sized dogs and $53.99 for a 6-pack. Heartguard, which is for heartworm, is about $35 for a 6-month supply for a medium-size dog and $65 for a 12-month supply.

Food and the grand total for year one  >>