Paws and Boots: MilLife and Pets

Pets are an important part of life for many of us, including military families. Whether your pet has fur, feathers, or fins, they provide companionship and fun. However, the benefits come with a price tag. Let’s walk through the financial responsibilities and military considerations of welcoming a pet to your military family.

Upfront Costs

Thinking of getting a new pet? The initial cost of ownership is probably top of mind. Upfront costs can include adoption fees, supplies and set-up, vaccinations, and more, depending on your pet. Consider the collateral cost, too. House training your new best friend may include additional costs for carpet cleaning or furniture replacement. You may also need to buy items like cabinet locks, cord-securing devices, and gates to pet-proof your home. Get started by estimating the upfront costs, begin saving, and review your budget to know what you can afford.

Ongoing Costs

Once Fido or Fluffy are part of the family, the ongoing costs can add up. Food, veterinary care, medications, and grooming are common expenses you should include in your budget. Depending on your work schedule, you may also need to factor in pet-sitting.

Regular check-ups are essential to keep our pets healthy. Veterinary care and associated fees can vary by location so it’s a good idea to research local providers. Some installations offer veterinary treatment facilities (VTFs) but military service animals have priority and staffing may be limited. Check to see if you have access to a VTF at your installation and investigate civilian options. Pet insurance may also be a good idea. Before you sign up, look at what’s covered and what’s not, approved providers, the premium and deductible, and any additional out-of-pocket costs.

Military Moves and Housing

Moving with a pet can be expensive, and the military may not cover the entire cost. The Department of Defense offers a Pet Transportation Allowance to help offset the cost. The maximum reimbursement amount is $550 for moves within the continental United States (CONUS) and $2,000 for moves outside the continental United States (OCONUS). Visit Military OneSource and the Defense Travel Management Office for more information.

Installation housing and rentals often have limits or restrictions on pets, both in quantity and breed. A pet could limit your housing options at future duty stations. Rules vary by location, so research your options when you have a move on the horizon. You may also have to pay a little more, as in higher rent or a bigger deposit, when you have a pet. Ensure the additional cost is included in your budget. Be aware that owning a pet can increase your renters or homeowners insurance, too.

Pets add fun, companionship, and joy to our lives. They can also make military life a little more complicated and expensive. Before welcoming a new pet to your family, understand the upfront and ongoing costs and plan for military life considerations like frequent moves and housing. Taking the time to prep your finances and integrate your pet into your military life can lead to more savings and less stress.

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