How much it costs to own a pet

From food, toys, and bedding to regular veterinary care, owning a pet comes with expenses that go well beyond the initial purchase or adoption fee. Understanding these costs upfront helps you plan for your pet’s needs and choose the right pet for you.

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Dog adopted after 615 days with RSPCA WA

The cost of owning a dog

Dogs live for 10-13 years on average, with some breeds living up to 20 years (or even longer), so it’s important to be prepared for both upfront and ongoing expenses. According to the Australian Veterinary Association, the average dog owner spends more than $25,000 caring for their pet over their lifetime.

Ongoing expenses can vary significantly depending on the dog’s breed, size and grooming needs, so be sure to research and ask questions about the specific type of dog you’re considering.

puppy lying on grass with toy

Upfront costs (first year)

Typical expenses you can expect in the first year include:

Estimated total: $2,500 – $6,500
(excluding unplanned medical costs)

Tip: Adopting from RSPCA WA can reduce some of these costs, as desexing, vaccinations, microchipping, and parasite treatments are already taken care of prior to adoption. You will need to account for future vaccination and parasite treatment costs.

Ongoing costs

Ongoing annual expenses you can expect include:

  • An annual vet check and vaccinations
  • Flea, worming, and heartworm prevention
  • Food
  • Grooming
  • Toys and enrichment
  • Pet insurance

Estimated annual cost: $1,500 – $2,500
(excluding unplanned medical costs)

The cost of owning a cat

Cats can live up to 20 years or more and require consistent care and financial commitment.

Upfront and ongoing expenses can vary based on grooming needs, the type of products you choose and your level of insurance.

Kitten in bed

Upfront costs (first year)

Typical expenses you can expect in the first year include:

  • Microchipping, vaccinations, and desexing
  • Council registration
  • Carry cage, bedding and bowls
  • Collar and name tag
  • Flea and worming treatments
  • Scratching post, toys and treats
  • Litter trays and litter
  • Food
  • Pet insurance

Estimated total: $1,200 – $2,500
(excluding unplanned medical costs)

Tip: Adopting from RSPCA WA can reduce some of these costs, as desexing, vaccinations, microchipping, and parasite treatments are already taken care of prior to adoption. You will need to account for future vaccination and parasite treatment costs.

White cat snuggling toy

Ongoing costs

Product or service and approximate cost:

  • Annual vaccinations and veterinary check: from $140 – $160
  • Flea and worming treatments: $200 – $250
  • Food: approximately $400 plus
  • Litter: $300 – $500
  • New scratching posts: $20 – $300
  • Toys and treats: $30 upwards

Total for consecutive years: $750 – $2,000
(excluding unplanned medical costs)

Kiko the cockatoo eating

The cost of owning other pets

The cost of caring for other animals, such as rabbits, birds, reptiles, and small mammals, can vary widely depending on their needs.

Factors impacting expenses include:

  • Specialised housing (hutches, aviaries, tanks or enclosures)
  • Heating, lighting or filtration equipment
  • Species-specific diets and supplements
  • Regular cleaning and maintenance
  • Veterinary care, including access and travel to exotic pet vets
  • Enrichment and social needs

Some animals may have lower upfront costs but require specialised care or equipment over time. Always research the specific needs of the species before committing.

Preventing costly issues

Preventative care helps reduce the risk of avoidable health issues and addresses them early, so your pet doesn’t have to suffer. It’s also far more affordable than emergency treatment.

Preventative care includes:

  • Regular veterinary check-ups
  • Vaccinations and parasite prevention
  • Desexing
  • Dental care
  • A balanced, appropriate diet
  • Regular, appropriate exercise

By planning ahead and investing in your pet’s health, you’re helping them live a longer, happier life. Learn more about maintaining your pet’s health here.

 

Preparing for costly issues

Even with regular preventative care, unexpected accidents and illnesses can lead to significant veterinary expenses. Pet insurance can reduce the financial impact of eligible vet bills, giving you greater peace of mind when your pet needs treatment.

To find the right policy for you, it helps to consider:

  • What’s covered (e.g. routine care, unexpected issues or emergency only)
  • Excess options
  • Benefit limits and exclusions
  • Waiting periods

RSPCA Pet Insurance offers a range of cover options for cats and dogs to help pet owners manage unexpected veterinary costs.

Tip: Pet insurance is often most affordable when pets are enrolled while they are young and healthy.

RSPCA Pet Insurance

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