What having a pet really costs (and what people forget)

Food is only one part. A list of the regular costs, the one-off costs and the unexpected ones, so you can do your sums before, not after.

Prices vary a lot depending on the species, the size, the city and the clinic, so we do not give figures here. We give you the full list so you can ask for a quote for each thing.

At the start

Adoption (donation) or buying from a registered breeder.
Microchip, registration and first vaccinations, if they have not been done already.
Neutering: compulsory for cats before six months of age (Ley 7/2023, the Animal Welfare Act, art. 26.i).
Basic kit: bed, bowls, carrier, lead and harness, litter tray, cage or aquarium depending on the species.

Every month or every year

Food and treats.
Litter, bedding or upkeep of the aquarium or terrarium (light, heat, filters).
Worming and flea treatments, check-ups and booster vaccinations.
Third-party liability insurance and, if you want, health insurance or the clinic's health plan.
Grooming, for breeds that need it.
Toys and replacements: they break and wear out.

What people forget

Emergencies and illness: the biggest cost and the hardest to predict.
Boarding or a sitter when you go away.
A trainer if behaviour problems appear.
The old-age years, when vet visits go up.

A tip: put aside a small amount each month for your pet's unexpected costs. The day you need it, you will be glad.