What pet expenses pushed owners into debt
% of indebted pet owners who cited each expense. 1 in 7 owners (15%) are experiencing “pet poverty.”
Emergency vet visit
74%
Surgery
44%
−30 pts vs Emergency vet visit (74%)
Diagnostic testing
29%
−45 pts vs Emergency vet visit (74%)
Prescription medication
27%
−47 pts vs Emergency vet visit (74%)
End-of-life care or euthanasia
16%
−58 pts vs Emergency vet visit (74%)
Chronic condition treatment
16%
−58 pts vs Emergency vet visit (74%)
Preventive care
13%
−61 pts vs Emergency vet visit (74%)
Skipping dental care
12%
−62 pts vs Emergency vet visit (74%)
Boarding or emergency hospitalization
11%
−63 pts vs Emergency vet visit (74%)
Specialist care
7%
−67 pts vs Emergency vet visit (74%)
Source: Fractl for MetLife Pet Insurance, 2025 (n=1,000)
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