Considering a new furry friend? Let’s explore the unexpected expenses that come with pet ownership.

If social media trends are anything to go by, it seems like everyone has welcomed a new pet during the pandemic. Since March, pet adoptions have increased dramatically in the U.S. Many shelters prepared for closures to curb COVID-19, which heightened the urgency to rescue animals. Coupled with the isolation many felt during lockdowns, it resulted in a significant demand for new pets.

However, those adorable faces come with a hefty price tag. Owning a dog can cost as much as $42,545 throughout its lifetime, according to financial sources. Even with careful planning, unexpected expenses are bound to arise. What are some examples? Members of a private Facebook community shared insights on the most significant and surprising costs of pet ownership.

Melanie B. pointed out that dogs require dental care as well. “I had a chihuahua that needed cleaning six times over his 15 years, and there were always extractions,” she noted. Karen M. added, “The last time we had that done, it cost around $500. Canine dental care can be pricey.”

For those who wish to travel (eventually), don’t forget to consider boarding fees. Stephanie F. advised hiring a pet sitter instead of boarding, as it often costs less. “It’s much better to have someone care for the dogs and the house simultaneously (or take them to a friend's house). Plus, their medication becomes costly as they age.”

Karen M. shared her experience: “We have two large dogs, and the kennel charged us extra for our older dog’s separation anxiety. We found a pet sitter for $40 a day, which was half the cost of the kennel, and they were much happier at home. Our sitter also took care of our seven chickens!”

Then there’s the issue of furniture. Puppies chew on everything! Even with training, they tend to destroy items. “My Boston [terrier] chewed through three doors in my house, leading to unexpected replacement costs,” Beth M. remarked.

Keeping your pets healthy can rack up significant bills. “Annual vet visits are manageable, but unexpected emergencies can arise just like with humans. Years ago, we got a puppy who caught parvo, costing us thousands of dollars. Sadly, he didn’t survive. Fast forward two decades, and our dog accidentally got out and was attacked by a coyote, leading to an emergency vet bill exceeding $2,000; thankfully, we had the funds, and she recovered. Even end-of-life care can be expensive, and it’s tough to make decisions about what care is feasible when they can’t voice their needs,” shared Dana O.

Pet insurance can mitigate some of these costs, but it often comes with a steep premium. “Finding affordable pet insurance can be tough with multiple pets. For one, it’s worthwhile. I was at the vet frequently for a 16-year-old cat with chronic kidney issues and later dealt with cancer treatments for a senior pug. Financial decisions can be emotionally taxing,” Roberta F. explained.

Alison M. suggested that pet insurance might be beneficial for some. “Explore pet insurance options; some are quite good. Just remember, premiums rise as pets age,” she recommended.

It’s uncomfortable to think about, but Beth M. reminded us to consider the costs of euthanasia and cremation when the time comes.

Rachel I. and Alison M. both recommended establishing a pet emergency fund from day one. This way, if an emergency arises, you’ll have funds set aside. Starting early is crucial, as younger pets usually have fewer emergencies. The goal is to grow this fund as your pet ages, ensuring you’re prepared when the time comes.

One thing is clear: pets are family, and they’re worth every dollar spent. Now, go give your furry friend some love. That’s exactly what I’m about to do.