How much does it cost to own a Cavalier King Charles Spaniel?

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How much does it cost to own a Cavalier on average per month?
Cavaliers are undoubtedly expensive to own due to their health problems. When you take some time to break down the necessities, things really add up. Many people forget that as they age, insurance will go up, probably a lot more than you think. Where a Cavalier puppy’s insurance can be as little as £30 a month, when they reach 8+, many owners pay £150+ a month.
Breaking down the costs of owning a Cavalier
Food: Depending on the brand and type (wet, dry, raw), you could spend anywhere from £30 to £80 or more per month. Food prices have shot up recently, and they will unlikely go down again.
Insurance: Monthly premiums for pet insurance vary by age, and coverage level. On average, you might expect to pay between £40 and £250 a month, but it could be higher for comprehensive coverage, especially for older dogs.
Vet bills: Routine vet care, including vaccinations, flea and worm treatments, and annual check-ups and medication reviews can average out to around £20 to £30 a month (if you have insurance). This doesn’t account for unexpected illnesses or accidents, which can be much more costly but might be offset if you have good pet insurance. (Cavaliers commonly need veterinary dental care, a dental costs between £400-1400- some insurers do cover so we will leave this out of the calculation)
Grooming: Cavaliers need regular grooming; you could spend anywhere from £40 to £50 or more every 6 weeks.
Miscellaneous costs: This includes toys, bedding, training, treats, etc., and can vary widely but let’s estimate around £10-£30 a month.
Minimum average monthly cost:
£30 (Food) + £40 (Insurance) + £20 (Vet bills) + £26.67 (Grooming) + £10 (Misc) = £126.67
Maximum average monthly cost:
£80 (Food) + £250 (Insurance) + £30 (Vet bills) + £33.33 (Grooming) + £30 (Misc) = £423.33
So, based on these calculations, you might expect to spend anywhere from £126.67 to £423.33 or more per month on your Cavalier.

However, this is a rough estimate. The actual monthly cost can be lower or higher based on individual circumstances, choices, and unexpected events. Always be prepared for additional unforeseen expenses, especially as the Cavalier ages.

For example, an eye ulcer, muscle strain or gastroenteritis might be less or just a little more than your excess, so you would not claim.
It’s essential to research in advance to understand all potential expenses thoroughly. When assessing if you can manage the long-term costs, keep in mind that these financial commitments could span the next 14 years or more.

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