How to Save Money on Your Pet

In Maine, pets aren’t just animals—they’re family. In fact, 63.5% of Mainers own a pet with 43.6% owning a cat and 35.9% owning a dog. Pets bring a lot to our lives—companionship, more movement in our day, and even lower stress levels. But they also come with real costs, and lately, those costs have been climbing.

According to the American Pet Products Association and the American Society for the Prevention of Cruelty to Animals, the average cost of owning a pet in 2025 ranges from $1,500 to $2,800+ per year. For dog owners especially, expenses can stack up fast between food, grooming, and vet care.

The good news? You don’t have to cut corners to keep costs in check. A few smart shifts can make a meaningful difference.

Food and Treats: Easy Wins Add Up

Pet food is one of those expenses that just keeps coming. Dog owners are now spending around $600–$900+ a year, while cat owners average $500–$700.

A few small changes can help bring that number down. Buying in bulk is one of the easiest ways to save—as long as you store food properly so it stays fresh. Subscriptions through retailers like Amazon or Chewy can also knock 5–10% off your total and save you time.

It’s also worth checking out store brands. Many offer the same nutritional value as premium labels without the premium price. And when it comes to treats, homemade options using simple ingredients like pumpkin or peanut butter can be surprisingly affordable—and just as popular.

Toys and Supplies: Spend Smarter, Not More

It’s easy to overspend on toys and accessories. Most pet owners spend $120–$200+ a year here without thinking twice.

Instead of buying new every time, look for ways to reuse what you already have. Old tee-shirts, towels, or blankets can easily double as toys or bedding. Discount retailers can also be a great source for basics.

When you do buy, think long-term. A durable toy that lasts is often a better value than a cheaper one you’ll need to replace in a week.

Vet Care: Focus on Prevention

Veterinary care is one of the biggest—and most unpredictable—expenses. Routine visits alone can run $300–$800 per year, and emergencies can quickly go beyond that.

The best way to manage those costs is to stay ahead of them. Annual checkups, vaccines, and parasite prevention may feel routine, but they can help you avoid much bigger bills later.

Dental care is another area that’s easy to overlook but expensive to ignore. Regular brushing and basic care can prevent serious issues down the road. The same goes for keeping your pet at a healthy weight—small habits now can help you avoid costly treatments later.

If your pet needs medication, it’s worth comparing prices online. You can also look for local clinics or nonprofit programs offering lower-cost services for routine care.

Grooming: Do What You Can at Home

While cats don’t usually need grooming, the cost of professional grooming your dog (bath, brush, blow dry, nail trim, ear cleaning, etc.) continues to rise. Many visits now range from $50 to $200, depending on the size of the dog.

If you’re comfortable, handling some grooming at home can save a lot over time. Regular brushing, occasional baths, and simple nail trims are all manageable for many pet owners.

If you prefer professional grooming, it pays to shop around. Prices can vary more than you might expect. And keeping up with brushing between visits can help you avoid extra fees for things like matting.

Daycare and Boarding: Look for Alternatives

Pet care while you’re away can add up quickly. Daycare often costs $40–$55 per day, and boarding can run $50 to $100+ per night.

If you’re looking to save, a local pet sitter can be a more affordable option. Platforms like Rover make it easy to find trusted help nearby. Another option is teaming up with neighbors or friends to trade pet-sitting duties.

If you use a facility regularly, ask about package pricing—many offer discounts for multiple days.

Training: Keep It Simple and Cost-Effective

Training doesn’t have to be expensive to be effective. While private sessions can cost $50–$150 per hour, there are more affordable ways to get results.

Group classes are typically less expensive and still highly effective for many dogs. Virtual training is another growing option that can cost less and offer more flexibility. And for basic training, there are plenty of high-quality tutorials available online.

Travel: Plan Ahead to Save

Traveling with your pet is more doable than ever, but it can come with extra costs.

Many hotels and vacation rentals now offer pet-friendly stays with modest to affordable fees. Sites like BringFido make it easier to find those options.

If you’re flying, most airlines charge $100–$150 each way for in-cabin pets. A little comparison shopping can help you avoid overpaying. You can find a list of airline fees at www.gopetfriendly.com.

Plan Ahead (Your Future Self Will Thank You)

Even with the best habits, unexpected pet expenses happen. Setting up a special savings account for emergency pet expenses can be a great way to prepare for the unexpected. Or if you are looking to invest in a new pet for your family or have surprise vet bills, Town & Country’s pet loan may be the answer.

At the end of the day, pets are worth the investment—but managing the cost doesn’t have to feel overwhelming. With a few thoughtful changes, you can keep your pet healthy, happy, and part of your life without putting pressure on your budget.