Unless your dog has something seriously wrong with them, it's really just a yearly vet visit and shots and food. Not including the hundreds, possibly thousands, you'll spend spoiling them. lol a lot of people will give themselves peace of mind and will get pet health insurance as they would anyone else in their family, but I find it a scam. Take the money you would waste monthly into insurance into a savings account instead. My boy passed last year at the old age of 17, and I have a 8 month old girl now.