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Common Pet Costs

That two-legged or four-legged friend you claim as your pet deserves the best of care, after all, in no time they will become part of your family. You’ll always want the very best for your pet but, their expenses can add up. Knowing the most common pet costs will keep your pet healthy and happy while allowing you to manage their care without breaking the bank. 

How to care for your pet

First, and foremost, if you’re the newest pet mom or pop on the block, don’t despair. You’re joining a very special club of pet owners who are not only their caretakers but, their advocates. There are lots of resources available to help you navigate these choppy waters as you begin to think more and more about their well-being each day. Are they getting the right nutrition and exercise? What supplies do they need? Are vaccinations really necessary?

Answers to all your questions

Your veterinarian is your best resource to answer these questions, but you can also check your local library for books and even a pet store. Remember, the more you know, the more comfortable you will be when caring for a pet whether if it’s a llama, chinchilla, parrot, cat or dog. To help, we’ve compiled a list of the most common pet costs.

Nutrition and food

Factoring in the costs of a special diet is especially important when you own an exotic pet (like a pig, ferret, bird, or fish). Food costs will vary depending on size, weight, and age, not to mention, the type of food for your type of pet. Yes, this is a lot to think about. It’s so easy to underestimate the cost of pet food.

To calculate the cost of food, find out about your pet’s diet. Fresh food, like apples or lettuce are less expensive than packaged food but, large pets or older pets consume more. Check with an expert on the number of calories your pet should consume based on age, weight and type, and how often they should be fed per day for optimal health.  


Let’s face it, you’re a sucker for long walks through isles of twinkling toys, and sparkly outfits at the pet store. Aren’t we all? New pet owners are prone to overspend on spoiling their pets. Our advice: Get necessities out of the way first. This includes cages, crates, pillows, food bowls, grooming tools, leashes, tags, chipping devices, food, and vitamins. To save money, consider homemade toys especially at the get-go then you can splurge a little later as you get to know, and understand your pet’s needs. 


Grooming standards are important for the overall well-being of your pet. The more exotic your pet, the higher the maintenance. Be sure to check with an expert: Certain types of pets or breeds will require regular upkeep. This can include nail clippings, and dental cleaning.

Ticks, flea and other treatments

Even the most well-kept pets can be a victim to pests. Treatments will likely require a professional, and depending on the problem, costs can skyrocket. Pests can devastate your pet’s health so, plan accordingly by researching treatment options. There may be low-cost, or no-cost options available through local community services or non-profit organizations in your area.

Temporary shelter 

Another pet cost to consider is boarding or pet sitting. This is a common pet cost because pet owners have learned that pets cannot be trusted when they’re all alone at home. In certain circumstances, like when you visit your in-laws for the weekend, or require a short- or long-term, hospital stay, you’ll still need to keep them fed, and supervised. The most popular reason for boarding is…you betcha, vacation. 


You are the leader in command, awaiting to teach your pet some cool, fur tricks. Most experienced pet owners can tell you that it’s not that easy. Obedience classes for dogs, for example, can cost an average of $80 but, can exceed $1,000. Be sure to ask for estimates, and check local listings for a community-sponsored programs that are often free of cost. Books are also available, if you dare to train on your own.

Vet visits

Pet visits can include emergency and preventive care, vaccinations or shots (throughout their lifetime) as well as, things like neutering. When choosing your pet, it’s important to talk to an expert about the level of care necessary to ensure they’re not only living the best life but, to budget accordingly. 


 Because you’re a pet owner and advocate, you’re ready to go the distance but, insurance will be a personal decision. Just know, there’s no need to overspend. Pet insurance is health insurance for your pet which could cover illnesses, accidents, medications, treatments, x-rays, hospital stays and surgeries. First, find out what insurance vet clinics in your area will accept, then comparison shop to get the best deal. 

We know how much you love your pet. Over the years, we’ve listened to countless stories from customers on how much joy their pets bring to their lives so, we completely understand if you need help financing common pet costs. With Sun Loan, you and your pet are always in good hands. Contact an office near you or visit to learn more.