(Feature Impact) The climb in pet care costs isn’t something you’re imagining — just like many other goods and services, prices have risen.
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Healthy Paws Pet Insurance, for example, reported that pet services have increased by 38% over the last five years, with owners spending more than $4,200 annually on routine care for a cat or dog.
Numerous factors are fueling these higher costs, from rising ingredient prices for pet food — including meat and grains — to shortages of veterinary medications. Add in growing labor and transportation expenses, and everyday pet care can take an even bigger bite out of your wallet.
Still, there are straightforward ways to control spending while offering your furry companion the care they deserve:
1. Prioritize Preventive Care
Regular wellness exams, vaccinations, and health screenings can detect issues early, when they are simpler and more affordable to address. Most pets should visit a veterinarian at least yearly, while puppies, kittens, and senior animals may require more frequent checkups.
Preventive medications are equally important. For instance, treating heartworm disease can cost thousands of dollars, whereas monthly prevention runs between $15 and $30.
2. Focus on Daily Wellness
Consistent physical activity lowers the risk of chronic conditions and promotes overall health. Most dogs need at least 30 minutes of exercise each day, while cats benefit from regular play sessions to stay active.
Controlling portion sizes also supports healthy weight management. Portion recommendations vary, but a solid starting point is the feeding guide on your pet food label, adjusted with guidance from your veterinarian.
3. Find Support in Your Community
Many local humane societies and rescue organizations provide resources to make pet care more accessible, such as low-cost vaccinations, spay/neuter services, and discounted supplies.
For seniors, local Meals on Wheels providers can be key allies. With support from PetSmart Charities, many of these providers offer free pet food and, in some cases, veterinary care and grooming. To date, 20 million pet meals have been delivered through this collaboration, helping keep pets healthy and in loving homes with older adults.
4. Plan Ahead for Unexpected Costs
Even with routine care, unexpected illnesses or injuries can arise — and expenses can pile up. The PetSmart Charities-Gallup State of Pet Care research found that 52% of pet owners skipped or declined veterinary services in 2025, with cost cited as the primary reason.
Pet insurance can help manage financial risk. Most policies reimburse a portion of covered veterinary costs after a deductible is met, providing a buffer against surprise bills. Plans differ, but average monthly premiums are roughly $60 for dogs and $30 for cats.
It is also important to discuss financial concerns honestly with your veterinarian. Many clinics are willing to offer payment plans, or you can search for low-cost-v
