Source: Independer.nl / average practice rates NL 2024
Toys & accessories€20/mo
Source: estimated based on owner community data
Total per month€128 – €200/mo
These are averages — your situation may differ. Costs tend to rise as a dog gets older.
Extra costs — not in the calculator
These costs vary widely by situation. Factor them in when planning your budget.
Variable recurring costs
Dog sitter / dog walkerNeeded if you work full-time or travel regularly
€15–€25/visit
GroomingDepends on breed — some breeds every 6–8 weeks
€30–€120/session
Training (puppy/basic)Recommended for every first-time dog owner
€15–€30/session
Boarding (holiday)Or home sitter: €20–€40/night
€25–€50/night
One-time purchase costs
Puppy from breeder€800–€3,000+
Adoption from shelter€150–€400
Crate€35–€110
Dog bed / mat€20–€70
Collar + ID tag€10–€25
Lead€15–€40
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Which insurer should you choose?
Four providers compared on the key points. Premiums are indicative for a medium-sized dog.
Scroll for all columns →
Provider
Premium/mo
Excess
Max/year
Surgery
Hereditary
PetplanCovers hereditary + highest limit
€28–€55
€100
€7,500
✓
✓
Beeble
€22–€45
€150
€5,000
✓
—
Reaal
€18–€38
€200
€3,500
✓
—
InShared
€15–€32
€250
€2,500
—
—
Disclaimer: premiums are indicative ranges for a healthy 2-year-old dog, medium size. Actual premium depends on breed, age and health status. Always check current policy terms with the provider.
Monthly averages including food, insurance, vet, and accessories. Not included: dog sitter, boarding, grooming, and one-time purchase costs.
Size
Food
Basic insurance
Vet (avg)
Total (basic)
Total (comprehensive)
Small (< 22 lbs)
€30–€60/mo
€18–€35/mo
€28/mo
€91–€138/mo
€108–€168/mo
Medium (22–55 lbs)
€45–€90/mo
€28–€55/mo
€35/mo
€128–€200/mo
€150–€235/mo
Large (55–100 lbs)
€70–€130/mo
€45–€80/mo
€45/mo
€185–€280/mo
€215–€320/mo
Giant (> 100 lbs)
€100–€180/mo
€65–€100/mo
€60/mo
€255–€370/mo
€285–€420/mo
Sources: average pet food and retail prices 2024, insurance comparison data 2024.
Extra costs — not every month, but every time
These costs are not included in the monthly calculation, but they add up. Indicative figures, March 2026. Always ask for a quote — prices vary widely by location and provider.
Expense
Indicative rate
Notes
Dog sitter (in-home)
€25–€50 / day
Sitter comes to your home — price varies by city and experience
Boarding / doggy daycare
€20–€40 / night
Average for small to medium dogs; large breeds cost more
Grooming (trim or wash)
€30–€80 / session
Depends on size and coat type; wire-haired and long coats cost more
Basic obedience course
€100–€300
For 6–10 lessons at a certified trainer; one-time but strongly recommended
Indicative figures, March 2026. Always ask for a quote — prices vary widely by location and provider.
