We’ve had labs for many years. Currently only got one, age 11, and looking to get another shortly.
We insure them for the first two years or so, to ensure there isn’t anything lurking/plus covering daft puppy stage where they’re more likely to injure themselves. Once they’re not insured we have a credit card with £6k limit plus £15k savings that could be used if necessary.
I feel that insurance is a gamble, and if you have the means to get yourself out of a sticky spot (and you’ve tried to lower your risk with a puppy from health tested parents/insured for the first few years), then it’s perfectly reasonable. We have had a few incidents post being insured- surgeries (mast cell tumour removal and foreign body removal), plus a few ear infections, I think stitches for a cut leg, and a few months of medication in old age. Overall we’ve been lucky and we’re much better off having that money saved.
A bag of working dog salmon and rice food is circa £30 a month (obviously it is more when a puppy).
We groom at home and bath them ourselves when necessary, clipping nails etc.
We don’t use dog walkers. We’re lucky in that if we do go away family help. A few years ago we had a friend’s vet nurse student daughter stay with them, I think it was about £30 a day.
Small incidentals like worming and in the summer flea prevention.
We don’t buy multiple leads/collars etc nor toys every month, so we don’t have the same costs as others. Obviously there will be some costs for things like beds etc, especially with a new dog, but they aren’t regular ongoing ones, and we now have multiples and spares.