Pet Cost Calculator
Estimate the lifetime cost of owning a dog or cat.
Enter pet details
years
£
£
£
£
Pet cost calculator guide for UK owners
WeCovr's pet cost calculator helps UK owners estimate lifetime pet expenses, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains pet ownership costs.
What this pet cost calculator estimates
The calculator estimates annual and lifetime costs for dogs and cats, including food, vet care, and insurance.
It provides a planning estimate and does not include unexpected emergencies.
Calculates total annual costs.
Projects lifetime costs based on lifespan.
Breaks down typical expense categories.
Why vet costs can spike
Emergency treatment and chronic conditions can significantly increase long-term costs.
Insurance and savings buffers
Pet insurance or a dedicated savings buffer can reduce the impact of surprise bills.
Why WeCovr supports family planning
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references UK pet ownership cost benchmarks and insurer guidance.
Pet cost examples
| Pet type | Annual cost | Lifespan | Notes |
|---|---|---|---|
| Dog | £1,500+ | 12 years | Varies by breed |
| Cat | £1,000+ | 15 years | Generally lower |
| Large breed | Higher | Shorter | Higher vet costs |
Related WeCovr resources
FAQs
Does this include emergency vet bills?
No. It estimates typical yearly costs only.
Should I include training or grooming?
Yes. Add those as extra annual costs if they apply.
Do cats cost less than dogs?
Often yes, but costs vary by health, age, and lifestyle.
Is this financial advice?
No. It is an informational estimate only.