One young toy breed:
£40 insurance. Can get a lot cheaper, but I go for the best I can afford.
£32 dry food.
£5 worming (don’t pay for the vet’s monthly plan, as I don’t use preventative treatment for fleas)
£10 treats/chews
£5 poo bags
Plus annual cost of vaccinations, which I think were about £60 this year (first booster).
So roughly £92 per month plus annual vaccinations and any vet visits that come under the policy excess. Which is maybe 1/2 a year at around £50-70 a time. Then there’s all the new toys, collars, harnesses, coats etc I end up buying spontaneously because I have a tendency to spoil him, probably another couple of hundred a year.
In my experience, the most expensive years are the first year (due to puppy classes, growing out of collars, harnesses, coats, beds etc, destroying toys and needing lots of things for teething purposes) and the geriatric years. My almost 17 year old large breed was costing us around £350 a month for the last couple of years, even with insurance covering his medication.