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MoneySaving for dog owners

Including how to cut costs, adopt from a shelter & 'borrow' a dog

Sarah Monro
Sarah Monro | Edited by Jenny Holliday
Updated 8 March 2024

They say dogs are man's (and woman's) best friend, but getting one can be a huge commitment – for you and your wallet. This guide explains how to work out if a dog is right for you, and if it is, how to choose the right one which is also affordable. Plus we've tips to cut the cost of food, vet bills, pet insurance and more.

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In this guide

They may be lovable and loyal – but is a dog right for you?

Dogs can be wonderful companions and hugely enrich your life... but they're definitely NOT impulse buys.

A dog will cost £1,000s over the course of its life, so it's no small commitment financially – and there are lots of other considerations too.

Dogs need training, company and regular exercise. You'll need to think hard about whether you have enough space in your home, and time for daily walks, come rain or shine. So it's important to consider all the potential hurdles and pitfalls before you jump into getting one. 

Ask yourself the following:

  • 1. Dogs can be expensive – can you really afford one?

    You need to consider all the costs having a dog will involve, now and in the future. These include food, bedding, toys, vaccinations (and other preventative treatments), plus vet fees if your dog gets sick. Use our Budget Planner tool to check if you can afford these additional expenses.

    How much a dog costs can vary hugely, depending on its size (for example, neutering costs are based on weight) and also whether you splash out on fancy toys and accessories. But to give an idea, veterinary charity the PDSA (the People's Dispensary for Sick Animals) has come up with the following estimates, which DON'T include the cost of actually buying the dog – it says these are minimum costs to expect, though of course there are always ways to save:

    Lifetime cost of owning a dog

    Size Initial cost (1) Monthly cost (2) Lifetime cost
    Small dog (eg, Yorkshire terrier) £383 £54 £5,000 - £9,600
    Medium dog (eg, border collie) £436 £61 £6,600 - £10,400
    Large dog (eg, Labrador retriever) £494 £75 £5,400 - £12,200
    PDSA estimates in 2022. (1) Includes equipment and initial vet bills, but not cost of dog. (2) Includes food, insurance, ongoing vet bills etc. See full breakdown below.
    Here's how the PDSA worked out the figures above:
     
    • Initial costs include bed, lead, collar and tag, food and water bowls, toothbrush and toothpaste, toys, brush, car restraint, initial course of vaccinations, monthly wormers until your dog is six months old, and neutering. The cost of the dog itself isn't included.

    • Ongoing costs include annual health checks, booster vaccinations, regular flea and worm treatments, pet insurance, food, small toy allowance, poo bags and toothpaste.

    • Average lifetime is 7.1 to 14.2 years for a small dog, 8.4 to 13.5 years for a medium dog and 5.5 to 13.1 years for a large dog.

    Bear in mind your dog may chew through toys and bedding (and your slippers), and collars/leads can wear out over time. So equipment isn't a one-time expense – you'll need to replace it every so often. You also need to be prepared for unexpected medical costs and pay for pet insurance or ensure you have enough saved up for emergency vet fees. For more help and info see how to save money on dog costs below.

  • 2. Is my home big enough for a dog?

    Having a smaller home doesn't necessarily mean you can't get a dog, but you'll need to choose the size of canine companion carefully. If you live in a cramped flat and don't have a garden, a dog might not be the right pet for you.

  • 3. Do I really want to walk a dog every day?

    Dogs need plenty of exercise. There will be days when you have to get out of bed and walk your dog in the rain. If that thought makes you shudder and hide under your duvet, a dog isn't for you.

  • 4. Am I happy to clean up after a dog?

    It's not pleasant, but you have to clean up your dog's mess in public places. If you don't, you can be fined £50 to £100, depending on the council (and if you refuse to pay, you could face prosecution and a £1,000 fine). So be prepared to keep your pockets filled with doggy 'poo bags'.

  • 5. Will someone be at home regularly to keep the dog company?

    It's recommended that you don't leave a dog alone for more than four hours at a time – they get bored and lonely just like humans. If you work full-time and can't pop home to walk your dog, you could ask a friend or hire a dog walker, but this will be an extra expense.

  • 6. Who will look after the dog when I go away?

    If you don't have friends or family willing to take your dog in while you're away, you'll need to consider the cost of a pet-sitter or putting your dog in kennels. Bear in mind, some dogs find a change in routine or environment stressful, which may affect the amount of time you can go away.

  • 7. Is a dog the right pet for my family (and will it still be in 10 years)?

    It's important to consider how your family may grow or change, and how this will affect your decision. A dog might seem like a great idea now, but what if you have a baby? Or if it's your children asking for a dog, what will happen when they leave home?

  • 8. Am I allowed to have a dog where I live?

    Some landlords and leaseholders ban tenants from keeping pets, so it's important to check your contract before you commit. Also consider whether you'll move in future, and what the rules might be there too.

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Not sure you're ready? Try 'borrowing' a dog first

If you want to test out whether you (or your kids) are really ready to own a dog, you can try looking after someone else's dog first. This is also a good option for people who don't have the space to look after a dog full-time, but still need a doggy 'fix' now and then.

Of course, the easiest way to do this is simply to ask a friend if you can borrow their dog (and they get free pet-sitting as an added bonus). But there are plenty of other ways to practise looking after a dog.

  • Volunteer at a dog shelter/rescue centre

    One option is to volunteer at your local rescue centre. To find one near you, search online for 'dog rescue centres' or 'dog shelters' in your area – then contact them to see if they're looking for volunteers. The PDSA recommends making sure the centre has good standards of welfare, as this isn't always guaranteed. See how to check if a rescue centre is responsible for what to look out for.

    Many animal shelters are overloaded with eager volunteers, so won't always need an extra pair of hands. But even if your local shelter isn't currently looking for volunteers, it's worth asking if it has a waiting list.

    Ex-MSE Duane found volunteering at Battersea Dogs and Cats Home a good solution when he was no longer able to own a dog.

    Before moving to London, having a dog was a big part of my life. Now, with a small flat and long commute, it's just not feasible or fair for me to have one. But volunteering satisfied my desire to spend time with dogs, while helping to socialise dogs waiting to be rehomed.
    It involved a mix of simply playing with them in their kennel, taking them into a paddock to play fetch, or walking them to a nearby park. For someone who wants to spend time with dogs but isn't able to have a dog in their home, this is a wonderful alternative.

    - Ex-MSE Duane

  • Pet-sit for elderly people

    Charity the Cinnamon Trust helps elderly and terminally ill people look after their pets so they don't have to give them up. This can involve walking dogs, buying pet food or fostering the animals short-term while their owners are in hospital. Although most of the opportunities we saw when we checked were spread across England, there were also a few in Wales and Scotland (as far north as the Shetland Islands). 

    Alternatively, you could try joining a traditional pet-sitting agency, where you get paid to look after people's pets, for example when they go on holiday – two suggested in the MSE Forum are Animal Angels and Pawshake.

    All the organisations above provide public-liability insurance for pet-sitters.

  • Foster a rescue dog

    Fostering a dog involves temporarily looking after it in your home, until a permanent home is found for it. This could be a good option if you have the space and time for a dog but aren't sure whether you're ready for a longer-term commitment.

    A number of charities and rehoming centres need fosterers, for example, the RSPCA says it needs people to provide temporary homes to dogs in its care, to free up spaces in its animal shelters and get the dogs used to living in a home with a family. It says you'll need to have a secure home and garden, as well as experience with dogs and a familiarity with basic training. You'll also have to undergo a home check.

    It's worth bearing in mind that you will likely grow attached to your foster dog. Consider whether you can handle giving up a dog after months of looking after it before you decide to go down this route. 

    For more info on fostering dogs (and other animals), see MSE Sarah's blog I fostered cats for a few months... here's how you can care for dogs, rabbits etc too (all for free).

  • Look after a trainee guide dog in your home

    The Guide Dogs for the Blind Association uses volunteers in a number of different roles to help it train guide dogs for blind or partially sighted people. It recruits:

    • Trainee guide dog boarders. This role involves caring for a dog in your home when it's not at training school. It's best for people who want a dog but aren't able to provide the company it needs during the day. It's still a big commitment though, as you'll need to take it to the training centre each morning and pick it up in the evening.

    • Respite boarders. These volunteers take in guide dogs full-time for a short period if the owner is unwell or on holiday. The charity says it's useful to be able to take a dog at short notice, though this isn't essential.

    • Puppy walkers. This involves caring for a puppy full-time before it starts its training. Your job is to get it used to the wider world, which means exposing it to normal household sounds (such as vacuum cleaners), taking it on public transport and into shops and restaurants. Puppies live with you from about eight weeks until they are a year old.

    Guide Dogs says volunteers don't need any previous experience of dogs, as they'll be given full training. It also covers the cost of all food and equipment needed, as well as paying any vet bills.

    However, your home will need a secure garden and an area of hard standing (such as a driveway) or a yard. You'll also need to undertake a training programme and follow the charity's rules for dog care and behaviour.

    My parents have fostered guide-dogs-in-training for years. It's a lovely way of having a dog if you can't fully commit to being at home regularly enough throughout the week to have your own pet. They arrive with their own toys, bed and food and it goes without saying they are exceptionally well behaved.
    Many people say they would struggle to see the guide dog move on to its permanent home, but when you see the difference it can make to someone's life it's not so hard.
     

    - Ex-MSE Megan

  • Try the 'Borrow My Doggy' app

    If you're happy to pay to look after someone else's pooch, Borrow My Doggy is a site that matches dog owners with dog lovers. It's UK-wide, and the idea behind it is to help dog owners find someone to pet-sit, while giving (dogless) dog lovers a chance to spend time with a dog.

    It's free to sign up and browse dogs in your area, but you'll need to pay a subscription to verify your profile and message other members (similar to a dating website).

    How it works

    Sign up at Borrow My Doggy and search for dogs in your area.

    Once you've found a potential match, the site recommends borrowers and owners meet up initially to check you feel comfortable with each other. Once everyone's happy, you can start borrowing their dog. No money changes hands between owners and borrowers, but you each pay a fee to use the app. It's £12.99 a year for borrowers, which gets you access to a 24/7 'vetline' and third-party liability insurance.

    I started using Borrow My Doggy because my (then) boyfriend and I love dogs and the combination of our jobs and living in a flat meant we could never have one ourselves.
    We signed up and quickly were accepted by the beautiful Frank who is an Irish terrier. Thanks to Frank we have enjoyed many a high-speed 'walk' on Wimbledon Common – and hopefully helped his owner Robin out too.
     

    - MoneySaver Katie 

... or if all else fails, consider a different pet

If a dog isn't right for you, and you still want a pet, don't despair – you could consider getting a cheaper and less time-consuming animal.

From goldfish to guinea pigs, there are plenty of other options (though of course, only get a pet if you are fully committed to its care). Try the PDSA's PetWise tool to help you choose the right animal for your family and lifestyle.

How to choose the right four-legged friend

If you've decided you're ready for a dog, you'll need to think about what type is right for you and your family. Choosing the right dog is about far more than just saving money – you'll need to consider what size dog you can handle, how much exercise and grooming it might need, and what age you should go for.

If you choose to adopt a dog from a rescue centre (see where to get your dog from below), the staff should be able to help you decide which dog is right for you. But it's worth spending some time thinking about the following questions before you visit...

Should I get a puppy or an adult dog?

Puppies are generally more in demand than fully grown dogs – which means they're more expensive. If you're buying from a breeder, the difference can be £100s – for example we've seen Kennel Club-registered Labrador retriever puppies advertised for £650 to £2,000, while an adult dog of the same breed was advertised for £500.

Even if you get a puppy from a rescue centre, you'll notice the difference. For example, Dogs Trust charges £250 for adult dogs and £310 for puppies up to six months (which includes a £60 mandatory training school fee for new owners). And animal charity Blue Cross has a range of adoption fees, depending on the age of the dog:

  • Less than six months old – £500
  • Six to 12 months old – £400
  • One to five years old – £300
  • Eight years and older – £200

Even more important than the cost though is the suitability for your lifestyle. Puppies might be cute, but they grow up quicker than children and need almost as much attention. If you have a busy lifestyle and aren't able to be at home during the day, a fully grown dog may be a better option. What's more, there are lots of fully grown dogs in rescue centres waiting for a home while puppies are snapped up faster than you can say "walkies!"

If you do decide to get an adult dog from a rescue centre, you could choose an 'older' dog (generally defined as a dog over seven years old, though it depends on the breed). Charities say older dogs are often overlooked but make ideal pets for some people. They're likely to be calmer and less energetic than younger dogs, and are also more likely to be house-trained and know basic commands.

Sadly, post-pandemic there are dogs advertised for rehoming where owners aren't able to commit to a dog any longer, perhaps due to a return to work. If you are keen to get a younger dog but not a puppy, this might be an option. The same rules apply - be sure to visit and see the dog, to ask to see documentation if the owner says it is registered with the kennel club and vaccination/microchip details. The benefits of choosing a dog to re-home from a private owner is that you skip the puppy training and have a dog that is still young and active. Be mindful to ask about behaviour and even go for a walk with them to get a feel for the dog's ability to recall and walk on the lead.

What size and breed of dog should I get?

Dogs come in all shapes and sizes, and you'll need to choose the right one for you – a Great Dane probably isn't the best choice if you live in a tiny flat with no garden, while a Chihuahua might struggle to keep up if you plan on taking it for long runs. Their appetites will likely vary too, which could mean a big difference in food costs over your pet's lifetime, while certain medical costs such as neutering also vary according to size.

Quick questions

  • What's the difference between pedigrees and crossbreeds?

    Dogs fall into two categories – pedigrees and crossbreeds:

    • Pedigree dogs have parents of the same breed – and are usually more expensive. According to the RSPCA, a pedigree dog has parents of the same breed, and is registered with a recognised club or society that keeps a register of different dog breeds (the Kennel Club is the best known). You may also hear the word 'purebred', which means the dog has parents of the same breed but isn't registered.

      Pedigree puppies are usually bought from breeders (though there are some specific pedigree rehoming schemes run by rescue centres) and can be expensive – for example, we've seen Kennel-Club-registered pug puppies going for over £1,000. Pedigree dogs are generally more expensive than crossbreeds, because they've been specifically bred, and are in high demand with dog owners who want a pet with a certain appearance/temperament.

      There are a number of health issues and risks to consider if you choose a pedigree dog. Some have been bred to have certain physical features, which may cause them pain. For example, the RSPCA says pugs and French bulldogs, which have been bred to have short, flat faces, often have narrow nostrils and abnormal windpipes. Many of these dogs have breathing difficulties, struggle with exercise and may require specialist surgery to correct their airways – the PDSA says owners could rack up £1,000s in vet bills.

      Others can be prone to inherited disorders or diseases. The RSPCA recommends you find out what health or behavioural problems a dog might be prone to, as a result of its breed.

    • Crossbred dogs have parents of different breeds – and tend to be cheaper. Sometimes referred to as 'mongrels', crossbreed dogs are usually cheaper to buy than pedigree dogs, as they're more likely to be the result of an unplanned litter. It's worth noting 'designer' crossbreeds (such as labradoodles and cockerpoos) are increasingly popular though, and can be as expensive as pedigree dogs.

      Crossbred dogs live longer on average and have fewer issues than purebred dogs. This means they're less likely to require expensive treatment at the vets, although of course this can't be guaranteed. 

  • What are the common breeds of dog – and how do they compare?

    There are 222 different breeds currently recognised by the Kennel Club. Its Breed Information Centre gives key information on each breed, including size, lifespan, how much exercise and grooming it needs, and what size home and garden would be best for it.

    You'll see that some breeds can take a bit more work, and need more space, than others. For example, if you're considering a border collie, you'll need to bear in mind it will need grooming more than once a week and needs more than two hours of exercise each day. It also needs to live in a house with a large garden – so a flat won't be big enough.

    A Jack Russell terrier, on the other hand, only needs grooming once a week and up to one hour of exercise a day. It's small enough to live in a flat with access to a small garden.

    Here's the key info on some common dog breeds (and if you're reading this on a mobile phone, swipe right to see the full table):

    Common dog breeds in the UK

      SIZE AVERAGE LIFESPAN
    		 EXERCISE NEEDED (PER DAY)
    		 LENGTH OF COAT
    		 GROOMING NEEDED SHEDS HAIR?
    		 MIN HOME SIZE
    		 MIN GARDEN SIZE
    Chihuahua (smooth coat)
    		 Small 12+ years
    		 Up to 30 mins
    		 Short Once a week
    		 Yes Flat Small/ medium
    Yorkshire terrier
    		 Small 12+ years
    		 Up to 30 mins
    		 Long Every day No Flat Small/ medium
    Jack Russell terrier
    		 Small 10+ years
    		 Up to 1 hour
    		 Short Once a week
    		 Yes Flat Small/ medium
    Staffordshire bull terrier
    		 Small 12+ years
    		 Up to 1 hour
    		 Short Once a week
    		 Yes Small house
    		 Small/ medium
    Border collie
    		 Medium 12+ years
    		 2+ hours
    		 Medium More than once a week
    		 Yes Small house
    		 Large
    Springer spaniel
    		 Medium 10+ years
    		 2+ hours Medium More than once a week Yes Small house
    		 Large
    Poodle Medium 12+ years
    		 Up to 1 hour
    		 Medium Every day No Large house
    		 Large
    Labrador retriever
    		 Large 10+ years
    		 2+ hours Short Once a week Yes Large house
    		 Large
    Great Dane
    		 Large Under 10 years
    		 2+ hours Short Once a week Yes Large house
    		 Large

    Information taken from the Kennel Club, February 2023.

    If you haven't got a particular breed in mind, try the Kennel Club's Find A Breed tool to help you work out which type of dog best matches your lifestyle.

  • What are 'designer' dogs?

    The term 'designer' is sometimes used for a type of dog that has become popular in recent years. These are technically crossbreeds but they have purebred parents (of different breeds). For example, 'Labradoodles' are a mix of Labrador and poodle, and 'puggles' are a mix of pug and beagle.

    Like pedigrees, designer dogs can be pricey and are susceptible to health issues. The Kennel Club says that any responsible breeder should undertake health tests prior to breeding a litter – see more on health tests below.

  • Which dog types are banned in the UK?

    Certain types of dog are banned in the UK by the Dangerous Dogs Act 1991. It's against the law to sell, abandon, give away or breed from a banned dog. What's more, if you have a banned dog, the police or council dog warden can take it away, even if it isn't acting dangerously and no one's made a complaint.

    The four types banned in the UK are:

    • Pit bull terrier
    • Japanese Tosa
    • Dogo Argentino
    • Fila Brasileiro
    • From Feb 1st 2024, the XL Bully became illegal to own without a certificate of exemption

    Bear in mind that whether your dog is a banned type depends on what it looks like, rather than its breed or name. So if your dog matches many of the characteristics of a pit bull terrier, it may be classed as a banned type.

    You can get an unlimited fine or be sent to prison for up to six months (or both) for having a banned dog. Your dog will also be put down. See Gov.uk for more info.

  • What do the different breed types mean (eg, gundog, hound, terrier)?

    The Kennel Club groups breeds into seven categories, based on their original purpose (most types of dog were bred to have a working function). These are:

    • Gundog (eg, spaniel, pointer, retriever). These dogs were originally trained to help hunters retrieve animals that had been shot. The group is further divided into four categories: retrievers, spaniels, hunt/point/retrieve and pointers and setters.

    • Hound (eg, beagle, greyhound, whippet). These breeds were also originally used for hunting, some by scent and others by sight. Scent hounds include beagles and bloodhounds – sight hounds include whippets and greyhounds.

    • Pastoral (eg, collie, sheepdog, samoyed). These are herding dogs bred to work with cattle, sheep, reindeer and other animals. Usually has a weatherproof 'double coat' to protect it from severe weather conditions. 

    • Terrier (eg, bull terrier, Jack Russell, Irish terrier). Originally used for hunting vermin. They were bred to be extremely brave and tough, and to chase foxes, badgers, rats and otters above and below ground; the word terrier comes from the French for 'earth', 'terre'.

    • Toy (eg, Chihuahua, Pomeranian, pug). Toy breeds are small companion or lapdogs. Many were bred for this, although some have been placed into this category simply due to their size.

    • Utility (eg, poodle, Dalmatian, shih tzu). This group includes miscellaneous breeds that have been bred to perform a specific function, which isn't included in the sporting and working categories. For example, bulldogs were bred to bait bulls, poodles to be water retrievers for duck hunters.

    • Working (eg, Great Dane, boxer, Dobermann). These have been bred to work, for example as guard dogs or search and rescue dogs.

Where's the best place to get a new pooch?

There are a few different routes you can go down to buy or adopt a dog, and they vary wildly in price. We've seen pedigree Labrador puppies advertised for up to £2,000, and pug puppies up to £1,600. At the other end of the scale, the Dogs Trust charges £250 when you adopt a dog from one of its rehoming centres (£310 for a puppy), and some local rescue centres may charge even less.

You can sometimes also take on a dog for free – for example, if you came to an agreement with someone whose pooch has had an unexpected litter of puppies, or needs to rehome their dog because of ill health, allergies or they're moving. However, be very wary of online adverts offering puppies for free, as this could be because the puppy has health issues, which could land you with high vet bills. Always check a breeder is responsible before committing to taking on a puppy.

Here are the main ways to buy a dog:

Rescue centres. These are animal shelters run by charities or councils, which take in unwanted or abandoned animals and rehome them where possible. Most charge a fee, typically between £100 and £200, which covers the cost of the dog's care during its stay at the centre. For more info, see adopting a rescue dog below. 

Responsible breeders. People who intentionally mate dogs to sell puppies are called breeders. There are plenty of responsible breeders who put the dogs' welfare first, but you need to watch out for dodgy ones who are just out to make profit. Prices vary depending on breed, but we've seen pedigree puppies advertised for anything from £300 to £2,000. For more info, see buying from a breeder below. 

Pet shops. It's no longer legal to sell puppies in UK pet shops, after the Government banned 'third-party' puppy sales in April 2020. You now have to deal directly with a licensed breeder or animal rescue centre, to avoid the risk of buying from 'puppy farms' (see our warning about puppy farms below). 

How to adopt a rescue dog

There are many rescue centres around the country which rehome unwanted and abandoned dogs. And unless you're absolutely set on getting a very specific or rare kind of pedigree puppy, there's a good chance you'll find the right dog for you in a rescue centre if you're patient. Dogs need rehoming for all sorts of reasons, so rescue centres care for puppies and pedigree dogs as well as crossbreeds. 

Before visiting a shelter or committing to rescue a dog, it's worth checking whether the centre is a member of the Association of Dogs' and Cats' Homes.

There are some specific breeds which have their own charities to help you rescue - Greyhounds are a popular one, and many people rescue former racing Greyhounds. Find out more about whether a Greyhound could be the right rescue for you at The Greyhound Trust. The Animal Rescuers lists specific breed rescue centres, too.

Alternatively you can simply visit the shelter to check the conditions are of a high standard. The PDSA says you should look for a rehoming centre which:

  • Keeps the pets in a good standard of living. For example, animals should be clean, dry, safe, offered a comfy bed, healthy (or under a vet's care if not), offered toys and games, fed predictably, generally want to interact with staff, walked daily and given training to keep their minds active. Staff should be kind, knowledgeable, train and supervise volunteers appropriately and ideally have certifications in animal care.

  • Checks the homes of prospective adopters.

  • Includes neutering as part of their adoption process.

  • Does health and temperament testing prior to rehoming.

The moral (and MoneySaving) argument for getting a rescue dog. Many argue that getting your dog from a shelter is the right thing to do. There are a LOT of dogs out there waiting for a home – Dogs Trust alone says it cares for 17,000+ each year. And while Dogs Trust says it never puts a healthy dog down, councils are legally allowed to 'dispose' of strays that haven't been claimed within seven days (five in Northern Ireland), and some just run out of space.

So, rescue a dog and not only will you help it, you'll be freeing up space in a shelter. As an added bonus, it's also a lot cheaper to get your dog from a shelter – most charge a £100 to £200 fee while a pedigree pup can easily cost closer to £1,000 from a breeder.

Which major charities run rescue centres?

We've listed some of the bigger charities below with centres around the country, but there are likely to be smaller shelters in your area which are also worth checking out. To find them, search online for 'dog rescue centres' or 'dog shelters' in your area – although the PDSA recommends ensuring you're adopting from a reputable shelter (as, in theory, anyone could set one up, including puppy farmers).

RSPCA

The RSPCA currently has 59 animal rehoming centres across England and Wales, and rehomes all sorts of animals, including dogs, cats, birds, rabbits, horses and reptiles.

Each centre sets its own adoption fee – we've seen this range from £150 to £300. All dogs are neutered, vaccinated and microchipped before being rehomed.

The 59 centres include 14 regional centres run by the main RSPCA, and 45 run by local RSPCA 'branches' – separately registered charities run by volunteers. Find your nearest RSPCA centre.

Dogs Trust

The Dogs Trust is a dog welfare charity with 23 centres across the UK.

It charges an adoption fee of £250 for adult dogs and £310 for puppies up to six months (which includes a £60 mandatory training school fee for new owners). All dogs are neutered, microchipped, vaccinated and have a complete health check before they're rehomed. You'll also get a collar, lead and four weeks' 'free' pet insurance.

Once you've adopted a dog, Dogs Trust says you'll be able to access advice from the centre team for the rest of the dog's life. Find your nearest Dogs Trust centre.

Blue Cross

Blue Cross has 12 dog rehoming centres across England and Wales. Many also care for all sorts of other animals, including cats, rabbits, guinea pigs and chinchillas.

It has a range of adoption fees, depending on the age of the dog:

  • Less than six months old – £500
  • Six to 12 months old – £400
  • One to five years old – £300
  • Five years and older – £200

All dogs are vaccinated, microchipped, wormed and neutered before being rehomed. Find your nearest Blue Cross rehoming centre.

Kennel Club Breed Rescue

The Kennel Club is an organisation that promotes dog health, welfare and training across the UK. It runs the UK's largest registration database for pedigree and crossbreed dogs (it also runs Crufts each year, the world's largest dog event).

If you have your heart set on a certain breed but also want to offer a home to a rescue dog, the Kennel Club has a network of breed rescue organisations which rehome pedigree dogs.

Use the breed rescue directory on its website to find contact details for organisations that care for different breeds. There's no guarantee that a dog of the breed you want will be available, but it's worth getting in touch to ask, as well as checking for your chosen breed in your local rescue shelter.

Council kennels

You may be able to adopt a stray dog from your local council. The law says that dogs kept in council-run kennels can be rehomed if they haven't been claimed by their owners within seven days (five in Northern Ireland).

Each council operates differently – some rehome the dogs themselves, others work with dog rehoming charities. Visit your council's website to see if it offers a dog rehoming service. They usually charge a fee to cover the cost of caring for the dog while it's been in the kennel. For example, Swansea Council says it charges £105 to rehome a stray dog.

Is it safe to adopt a rescue dog?

A common worry about adopting a rescue dog is that your new pet might have behavioural issues, possibly as a result of being badly treated in the past. However, the PDSA says reputable centres will have 'temperament-tested' the dogs and be aware of any issues (meaning there should be no surprises once you've taken your dog home). This is one reason to make sure you adopt from a responsible rescue centre.

It's also worth noting not all dogs in rescue centres have been badly treated or abandoned. There will be many that come from loving homes, and have only been given up as a result of ill health or a change in circumstance, such as their owner moving abroad.

The level of training each dog has received can vary, but staff at the rescue centre should be happy to discuss your individual needs and which dog is most suited to you and your family, especially if you have children.

How to buy from a breeder

Buying a pedigree puppy from a breeder is rarely MoneySaving and there's lots to watch out for if you decide to go down this route. But if you're after a specific breed and don't mind spending more, you may choose to go this way.

You can find adverts for puppies in lots of places, from online classified sites to adverts in shop windows. But not all of them are legitimate, so you need to watch out for scams and ensure the breeder is responsible.

Avoid puppy farms. The Kennel Club says these are places where dogs are bred for profit with little regard for the welfare of the puppies or their parents. Puppies are often removed from their mothers too early and are likely to have health and temperament problems.

 

Warning signs include not being allowed to see the puppy with its mother (which suggests it may have been born elsewhere), a breeder selling multiple breeds at once, offering to meet you anywhere other than their home (such as a service station) or pushing you to make a decision right away.

A good place to start is the Kennel Club's Find a Puppy section, where breeders can list puppies for sale. Only Kennel Club-registered puppies can be listed, and breeders who advertise on it are expected to adhere to the organisation's code of ethics. For additional reassurance that all health tests have been done, the PDSA recommends choosing a member of the Kennel Club Assured Breeder Scheme.

You can also find puppies advertised for sale on online classified sites such as Gumtree and Preloved*, as well as pet-specific classified sites such as Pets4Homes. But charities such as Dogs Trust warn against buying pets from there. Remember, anyone can advertise on these sites, so it's vital to make sure you're buying a genuine pedigree dog from a responsible breeder. 

New laws came into force in 2018 to ensure puppies aren't removed from their mothers before they're at least eight weeks old, and a good breeder won't let a puppy go till then anyway – some prefer to wait 12 weeks. They should also want to meet and interview you to ensure the puppy is going to a good home. 

Make sure you see the puppy in its breeding environment and ask to look at the kennelling conditions if they weren't raised within the breeder's home. If you suspect the conditions aren't right, don't buy from that breeder.

Sign a 'puppy contract'

A number of organisations and animal welfare charities (including Blue Cross, the British Veterinary Association, Dogs Trust, the Kennel Club, the PDSA and the RSPCA) have come together to create The Puppy Contract, which you can download for free and sign with your breeder.

It's designed to encourage responsible breeding (and buying) of puppies, and ensure you have all the information you need to make an informed decision, such as details of the puppy's parents, medical history and life so far. It's a legal document, so if your puppy ends up needing vet care due to undisclosed medical issues, you can use it to reclaim the costs from the breeder.

  • The Dogs Trust's 13 questions to ask a breeder

    Dogs Trust suggests you ask the following 13 questions to ensure you're getting your puppy from a responsible breeder:
     
    1. Can I see the puppies with their mum?
    2. How old are the puppies?
    3. Are the puppies weaned?
    4. How old is the mum?
    5. How many litters has the mum had?
    6. Have the puppies been wormed?
    7. Have the puppies had any vaccinations? If so, when is the next dose due?
    8. Does the puppy look healthy – clean eyes, ears and bottom?
    9. What should I feed my puppy? Do you have a diet sheet to take away?
    10. What sort of socialisation or experiences has the puppy had so far?
    11. Can I return the puppy if there are any health problems?
    12. Is the puppy Kennel Club-registered?
    13. When can I take the puppy home?

    See the Dogs Trust website for more advice on buying from a breeder.

  • How can I make sure I get a healthy puppy?

    Responsible breeders should ensure the puppies' parents have been screened for any inherited problems known to be prevalent in that breed. Make sure you ask the breeder if they have done this before you buy from them.

    There are DNA tests that can be done to detect certain diseases in purebred dogs, but these are only available for some conditions in some breeds. There are also a number of clinical veterinary screening schemes that dog breeders can use to increase the probability of producing healthy puppies.

    You should also take your puppy to a vet within 48 hours of bringing it home, and go back to the breeder if any health issues are found (remember, a good breeder will take the puppy back if there are any issues).

    • DNA tests. These screen for particular conditions or diseases known to be a problem in a breed. Results show whether a dog is affected by the condition or a carrier (may pass it on to puppies). This is very useful information for breeders, and breeding advice varies depending on the disease/condition.

    • Hip scores. A hip score is a measure of evidence of abnormal development in a dog's hips (called 'hip dysplasia'). Scores for each hip are added together to get an overall score for a dog. Scores range from 0 to 106, and the lower, the better. The advice to breeders is ideally to breed only from dogs that score below the breed average.

    • Elbow grade. Similar to a hip score, an elbow grade is a measure of any evidence of abnormal development in a dog's elbows (called 'elbow dysplasia'). Both elbows are graded (between 0 and 3), but only the highest grade is used as an overall elbow grade for the dog. The lower the grade, the better, and the advice to breeders is ideally to breed only from dogs with an elbow grade of 0 or 1.

    • Eye screening. There is a set list of eye conditions that are known to be inherited in certain breeds and that are certified under a scheme run by the British Veterinary Association, Kennel Club and International Sheep Dog Society. A dog is certified as unaffected or affected for each condition known to be inherited in the breed.

    For more information on health tests for pedigree dogs, see the Kennel Club.

  • What is Kennel Club registration?

    The Kennel Club is an organisation dedicated to dogs' wellbeing. It registers over 250,000 pedigree dogs every year, as well as crossbreeds. Registration provides a record of a puppy's birth as well as a number of benefits for dog owners. The Kennel Club says one such benefit is that you know the dog will display the characteristics of the breed you want, in looks and behaviour.

    Consider looking for a breeder who is part of the Kennel Club's Assured Breeder Scheme, which promotes good breeding practice and aims to work with breeders and buyers to force irresponsible breeders out of business. However, Kennel Club registration alone doesn't guarantee that a breeder is responsible. 

Beware of dog buying scams. Action Fraud says victims of fake pet ads reported losing over £2.5 million in 2020/21. A common scam is fraudsters posting adverts online for non-existent puppies, using photos stolen from other websites. They make excuses for you not to view the puppy, and once you've paid, they disappear and no puppy materialises.

ALWAYS make sure you see the puppy before any money changes hands (as well as checking you're buying from a responsible breeder). Remember, if something sounds too good to be true, it usually is. See 30+ Ways To Stop Scams for more tips.

How to save on dog costs (and avoid ending up with your financial tail between your legs)

From vet bills and vaccinations to boarding your dog in kennels when you go away, there are all kinds of expenses to consider when it comes to owning a dog. Here are some ways to cut the cost – with input from dog-loving Forumites on the Pets & Pet Care forum board.

Dog food – expensive, but easy to make savings

This is likely to be one of your biggest ongoing costs when you own a dog. But just as with human food, it's an area where you can save if you're a savvy shopper:

  • 1. Compare prices online & buy in bulk

    If you're buying dog food from a supermarket, look out for offers and stock up when it's cheapest. You could also look into buying in bulk online or from pet superstores.

    You can also use the free Trolley comparison tool to easily check prices at the major supermarkets.

    See our Supermarket Shopping guide for tips and check out our Supermarket Coupons round-up for occasional discounts and freebies. 

  • 2. Ask your local pet shop for a deal

    Some dog owners in the forum say their local pet store will beat online prices for people buying in bulk.

  • 3. Sign up to loyalty schemes, for example get 10% off Pets At Home

    Loyalty schemes, such as Pets At Home's VIP Club, can get you discounts on dog food (as well as other items you might need). You'll get 10% off just for signing up, though always compare prices to make sure you're still getting the best deal.

  • 4. Visit your butcher for treats

    Forumites report getting scraps from their butchers and fishmongers for free, or for a very cheap price. Depending on where you live, some hardware stores may stock treats that you can buy by weight, such as dried chicken feet or pig's ears.

  • 5. Thinking of feeding your dog 'raw'? Speak to your vet first

    There's a growing trend for feeding dogs an all-raw diet (for example, raw meat, fish and veg), instead of specially formulated dog food. Some owners say this can work out cheaper, but it's important to ensure your pooch is getting all the nutrients it needs and isn't at risk of infections. The RSPCA recommends speaking to your vet before you go down this route.

ALWAYS ensure you don't feed dogs anything that could harm them. This includes chocolate, garlic, onion, raisins, avocado and cooked bones. See this Dogs Trust factsheet for other foods to avoid.

Dog walkers – compare prices and ask for reviews

Hiring a dog walker can be handy if you can't be at home to walk your dog during the day (and can afford to pay someone else to do it). Walkers typically charge £5 to £15 a walk, though it can cost more if you request a solo walk (rather than your dog being taken as part of a group). Again, following the pandemic you may find local dog walkers are more in demand, and prices may reflect your breed and the length of walk you'd like them to do.

Here are some ways to save on costs, and to make sure you're entrusting your dog to a responsible walker:

  • 1. Check local ads and dedicated websites for walkers – and compare prices

    You'll likely find adverts for dog walkers posted locally – check your vet surgery noticeboard and newsagents too. But it's also worth trying dedicated websites.

    Tailster, for example, matches you with a dog walker and provides live photo updates and GPS-tracked walks (so you know exactly how much exercise your pooch has had). And Pawshake is a more general pet-sitting site which can help you find someone for doggy daycare, dog-walking and boarding.

    It's worth comparing prices at this stage. Cost may not be your primary consideration – your dog's welfare while it's in someone else's care is obviously paramount. But you'll be able to get a feel for what's typical in your area and what represents a good deal.

  • 2. Ask for recommendations from other dog owners

    When it comes to trusting someone with your precious pooch, it's about more than just the price. Getting reviews from other owners can help ensure you find a responsible dog walker.

    It's also worth asking for recommendations from neighbours and on local Facebook groups. They may well know a dog walker who's suitable – and those dependent on word-of-mouth recommendations are likely to be reliable and trustworthy.

  • 3. Meet them first (and consider going for a test-walk)

    Forumites say you should always meet a dog walker before you commit to hiring them (and most good dog walkers will suggest this anyway). See how they interact with your dog, and trust your instincts when making your decision. You could also consider going for a 'test walk' to see how well they get on with your pup.

  • 4. Check they have insurance

    Professional dog walkers need public-liability insurance, in case someone else is injured while they're taking care of a dog, or property is damaged. So make sure they're covered before you commit.

Planned vet bills – budget ahead and know what to expect

The cost of vet bills can vary hugely depending on the size of your dog and any health issues it may have, now and in future.

It's not always easy to predict how much you'll spend on vet bills over your dog's lifetime, but there are certain costs which every dog owner will need to consider:

  • 1. Vaccinations (eg, £40-£70 for a puppy)

    Vaccinations help dogs remain free of infectious diseases, and prevent them passing these on. This isn't a cost you can avoid – you'll end up paying a lot more if your dog gets sick. But Forumites say it's worth calling around vet practices to compare prices.

    Puppies need to be vaccinated by a vet when they're old enough, and most dogs require yearly 'boosters' after that. Rescue dogs will usually be vaccinated already – this is one reason why centres charge an adoption fee. But you should always check what further vaccinations your pet might need. 

    The RSPCA says your dog needs to be protected from four main diseases:

    • Canine parvovirus
    • Canine distemper
    • Leptospirosis
    • Canine hepatitis

    However, you should speak to your vet about any other vaccinations your dog might need, such as kennel cough if they're going to be staying in kennels while you're away. See the RSPCA's vaccination advice for more information.

  • 2. Microchipping (FREE, normally £15-£20)

    A microchip is an electronic identification device which is implanted just under your dog's skin. Each chip has a unique number, which can be detected using a microchip scanner. Microchipping gives your dog the best chance of being returned if it gets lost or stolen.

    It usually costs £15 to £20 at a vet's practice, but some charities will microchip your dog for free (though please donate if you can). For example, Blue Cross centres across the UK and Battersea Cats and Dogs Home in London. See Gov.uk for a list of places which offer free microchipping.

    You can be fined up to £500 if your dog isn't microchipped. All dogs have to be microchipped since the law changed in 2016. Owners who fail to comply risk a fine of up to £500, though they'll first be given 21 days to get their dog microchipped and avoid having to pay it.

  • 3. Neutering (£100-£400)

    This is the surgical removal of reproductive organs in male and female dogs. It can improve the overall behaviour and health of your dog, and the cost of neutering will far outweigh the cost of an unplanned litter of puppies. See the Dogs Trust website for more advice on the benefits of neutering.

    The exact price will depend on the size and sex of your dog.

While some of the costs outlined above are one-offs, even if your dog isn't sick, bear in mind you'll still need to take it to the vet regularly for check-ups and booster vaccinations – usually once a year.

Typically check-ups can cost about £35, though the cost of an annual check-up is included with a vaccination appointment, so check if your vet offers this. Again, it's worth comparing prices with a few vet practices.

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Dental bills – keep them down by keeping your dog's teeth healthy

You should check your dog's teeth regularly for plaque or infection. Treatment for gum and tooth disease can cost from £200 to £300, so to avoid getting hit with a hefty dental bill (which may not be covered by pet insurance) make sure you look after those gnashers on a daily basis.

You can brush your dog's teeth (yes, really) every day using a special dog toothpaste. But providing lots of opportunities for your dog to chew, especially after meals, can also keep its teeth healthy. You can buy special chews for this, though the PDSA says not all chews are proven to work and they can be high calorie, so speak to your vet for recommendations rather than relying on marketing claims. 

Grooming – daily care can cut costs

Some types of dog have fur that needs professional grooming. But to minimise the cost, make sure you give your dog the daily care it needs. If you are getting a puppy, get it used to being groomed as early as you can - use a baby brush to gently brush fur, and massage your fingers into their paws so they are used to them being touched in the way a groomer might.

Brush its coat regularly – doing this at least once a day will prevent you from having to fork out for grooming too often as it'll keep knots at bay and get rid of hair, dead skin and dirt. It's also a fantastic way to bond with your dog!

And make sure you walk your dog on hard surfaces. Walking on pavements or concrete paths at least once a day will help keep their nails short. You can also learn to cut your dog's nails at home. Simply ask a vet, nurse or groomer to show you how. 

Accessories and toys – lots of ways to save

Like kids, dogs don't need fancy toys or clothes to have fun. They'll be happy with a few simple toys and to spend time with you. Many doggy accessories are marketed to encourage owners to spend unnecessarily (ask yourself – does your dog really need a designer bandana, or its own mini-sofa?).

Here are a few ways to save:

  • 1. Toys – look for bargains in charity shops and pound stores

    You can buy stuffed toys from charity shops and jumble sales, but make sure to remove any eyes, noses or buttons that could be swallowed. Most pound stores sell cheap chew toys and tennis balls (so you can stock up if your dog loves playing fetch). If you live near tennis courts, you might find they will give you old tennis balls for free.

  • 2. Dog bed/basket – old duvets work just as well

    Dog beds can be pricey, especially ones with a brand name on the front - there's no need to fork out on a posh bed for your pooch. Your dog will be just as comfy sleeping on a non-designer bed, with old blankets folded up inside. Keep an eye out on resale sites like Facebook Marketplace, Freecycle and Freegle.

    If you are planning on crate training your dog, you will also most likely find second hand crates on resale sites.

    Forumites also recommend using old cot mattresses and army surplus blankets.

  • 3. Collar, ID and lead – try supermarkets and discount shops

    By law, your dog needs to wear a collar in public displaying your name and address (it also needs to be microchipped). You'll need a lead too, so you can take your pooch for a walk safely. Dogs don't care how they look, so check out supermarkets and discount shops for cheaper options.

    Many owners attach an engraved identity tag to their dog's collar. However, the PDSA suggests a cheaper option can be to write on the collar using a permanent marker (or even embroider your details). Another option is an ID barrel – these attach to the collar and hold a small piece of paper, which you can write your details on. This makes it easy (and cheap) to change if you move home.

  • 4. Car harness, crate or guard – look online, but get advice

    You need to get the right equipment to keep your dog safe when on the road, as well as avoiding any distractions for the driver. Speak to your vet, or staff at your local pet store, to make sure you get the right equipment for the size of your dog (and your car), but make sure you compare prices online before you buy.

    You may also want to buy car-seat covers, to protect from dog hair and muddy paws. As with a bed, don't go buying the most expensive seat covers if your dog is going to be muddy. A simple washable seat cover is your basic, then you can lay old towels on that to soak up the dirt. Keep another towel in the car to wipe paws before they jump in, too. Microfibre towels (like travel towels) can be a good shout as they absorb water well and wash and dry fast.

  • 5. Grooming equipment – this will save you in the long run

    The basics include a special dog brush/comb, dog shampoo, nail clippers and towels (you can save by using old towels, though make sure you know which are which – you don't want to accidentally offer guests a 'dog towel'). Keeping your dog well groomed will save you money in the long run, as you won't have to fork out on taking your pooch to a posh pet salon.

  • 6. Poo bags – get 'em for free from councils

    You need to clean up after your dog in public places – this means keeping a stash of 'poo bags' on you at all times (small plastic bags, similar to nappy sacks, which you use to transfer dog mess into a special bin).

    Some councils give them out free at vet surgeries, council offices and libraries. But if yours doesn't, try looking in discount stores such as Poundland, Home Bargains or Aldi. Forumites also recommend using nappy sacks or sandwich bags, which can work out cheaper.

Going away? See if someone you know will dog-sit for free

If you're going on holiday, or away overnight, you'll need to arrange for someone to look after, feed and walk your dog. Boarding kennels or professional pet-sitters are an obvious option but can be pricey: you'll often pay £30 to £70 a night depending on the area and size of your dog.

It's worth trying to club together with other dog owners in your area – if they're willing, you may be able to agree to dog-sit for each other for free. Swapping house keys with a trusted dog owner friend can also be helpful for the times when you need to pop out unexpectedly or know you will be later home than expected so they can go in and check on your dog and vice versa.

Alternatively, turn to friends or family. If you live in a nice area, some MoneySavers suggest offering your friends or family a free 'holiday' in your home. The idea is they get to stay somewhere new for free, and you get someone to take care of your dog. Or you can arrange for them to 'borrow' your dog while you're away, and have it stay in their home. This can work particularly well if they're wondering whether to get a dog of their own.

For more tips on saving money on doggy essentials, take a look at the Pets & Pet Care forum board.

Should I get pet insurance?

There's no NHS for pets, so if your dog gets sick you could be hit with a hefty vet's bill. You'll need to consider if it's worth paying for pet insurance (an alternative is to set up a fund in a savings account for emergencies). 

Without cover or savings you may be faced with a difficult choice between finding the medical fees or putting down a much-loved pet (though also see our tips below for what to do if you're struggling with the cost of a dog).

The aim of pet insurance is to cover the cost of unforeseen illness and injury – the average claim has hit a whopping £757 according to the industry body the Association of British Insurers. Here's how you can save on the cost:

It's also well worth making sure you get the right insurance for you and your pet, as some basic policies have a time limit for treatment per condition of a year, and a maximum payout. If your dog has a reoccuring or chronic condition, you may be better off with a more comprehensive policy.

See our Cheap Pet Insurance guide for the full lowdown if you decide to go down that route, including what to watch out for if your pup has a pre-existing condition.

How to cut the cost of taking your dog abroad

If you're planning to take your dog overseas, you must abide by the laws of the country you're travelling to, as well as ensure you follow the UK's rules for bringing your dog back. You can face fines, and even have your dog put down, if you don't obey the rules.

You now need an animal health certificate, instead of a pet passport

Until the end of 2020, dog owners could travel with their animals to and from EU countries under the EU Pet Travel Scheme, provided they hold a valid EU pet passport. 

But if you're travelling to the EU or Northern Ireland, you’ll now need to take the following steps on your first trip. It's similar to the previous process, but you’ll need an animal health certificate (AHC) instead of a pet passport:

  • You must have your dog microchipped. UK law requires all dogs to be microchipped anyway, see more info above.
  • You must vaccinate your dog against rabies. Your pet must be at least 12 weeks old before it can be vaccinated and you must wait 21 days after the primary vaccination before travel.
  • You must visit your vet to get an AHC for your pet no more than 10 days before travel.
  • Some countries require tapeworm treatment. If travelling to Finland, Malta, Northern Ireland, Norway or Republic of Ireland with your dog, you need to ensure it's received treatment for tapeworm one to five days before arrival in these countries. This needs to be detailed on the pet's animal health certificate.

As long as you keep your pets' rabies vaccinations up-to-date, you won't need to get repeat vaccinations for subsequent trips to the EU or Northern Ireland (other than for tapeworm treatments for dogs visiting those countries listed above). But you will need to visit your vet to apply for a new AHC for each trip. See our Taking Pets to the EU or Northern Ireland news story for more details, and the Government website.  

How to care for your dog if you're struggling with costs

Circumstances change, so even though you should ensure you can afford the ongoing costs of a dog before committing to owning one, there are charities that can help with vet care and so on, if you find yourself struggling financially after you've got your dog. And, although this is a last resort for most people, there are also charities that will rehome your dog if you're unable to afford the costs.

Find a pet food bank near you

Similar to food banks for humans, a number of animal charities are offering pet food banks to help those struggling with the cost of living. To find one near you, check the RSPCA, Dogs Trust and Blue Cross websites.

RSPCA: Low-cost vet care and free neutering

The RSPCA helps with low-cost vet care for people in need of financial support. Eligibility criteria may vary slightly, as each RSPCA branch is registered as a separate charity. For example, at its Bournemouth Branch you'll need proof that you're on one of the eligible benefits, as well as proof of address (to ensure you live in the branch's catchment area) and valid ID.

Clinics run by the charity generally have a heavily subsidised consultation fee and the cost of any drugs and treatment is subsidised further. You may also be able to get free neutering. Check with your local RSPCA to see if you're eligible for low-cost vet care.

Blue Cross: Low-cost or free veterinary services

Blue Cross says its veterinary services are available to pets whose owners are on certain means-tested benefits. You also need to live in a catchment area – check the Blue Cross website to see if it covers where you live.

  • Which benefits are eligible?

    Your pet will be eligible for free vet care if you receive one of these benefits:
     
    • Universal credit (where there hasn't been a reduction in payment due to work or other income such as savings)
    • Income support
    • Jobseeker’s allowance (income-based)
    • Employment and support allowance (income-related)
    • Pension credit

    You'll be eligible for reduced-cost vet care if you receive one of these:

    • Universal credit (where there has been a reduction in payment due to work or other income such as savings)
    • Working tax credit
    • Child tax credit
    • Housing benefit with no other benefit
    • Council tax reduction with no other benefit

PDSA: Low-cost or free vet services

To qualify for PDSA financial support you'll need to be receiving eligible benefits and live in a catchment area of a PDSA pet hospital or clinic. Fill in the PDSA eligibility form to check if you qualify.

  • Which benefits are eligible?

    To qualify for PDSA's low-cost vet services, you need to receive one or more of the following benefits:

    • Child tax and working tax credits
    • Universal credit (without housing element)
    • Pension credit
    • Income support
    • Jobseeker's allowance
    • Employment and support allowance (ESA)
    • Disability living allowance (DLA) /personal independence payment (PIP)
    • State-retired pensioners in council tax bands A-D are also eligible

    To qualify for free vet services, you need to receive one or more of the following benefits:

    • Housing benefit (means-tested help with your rent)
    • Council tax support/reduction scheme (means-tested help with your council tax)
    • Universal credit with a housing element

    PDSA's free vet service is only available for one pet per person. But if you have more than one, you can register additional pets for its low-cost service.

How to rehome your dog

It's not an easy decision to make, but if you really can't afford to care for your dog, or your circumstances have changed significantly, there are charities that can help you rehome your pet.

Blue Cross, Dogs Trust and the RSPCA all recommend getting in touch with your local rehoming centre to check if it has space available. It's free to hand over your dog, but donations are welcome.

These centres strongly recommend you bring your dog in directly – never, ever abandon a dog in the hope it will be found and taken in, even outside a rehoming centre. Not only is this stressful for the dog and dangerous (as it could escape), it also means the adoption process will take longer as the centre has no history or medical records.

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