6 Money Moves For Dog Owners (For a Happier Dog & A Happier You)

Wade Austin Ellis on Unsplash

It’s our mission to make money matters a little less insane. We provide financial editorial content free for all and are supported by affiliate partners included in this post which earns us a commission. We hope you enjoy our content and subscribe to our newsletter.

Of course, you want your dog to live a long, happy, and healthy life. But with bills coming at you left and right, you might find it difficult to make your dog a priority.

By being smart with your finances, you could actually get more affordable care for your pup and even save a little extra money to put towards their wellbeing.

Here are six things you should do with your money to take better take care of your furry friend.

1. Lower Your Vet Bills With Affordable Pet Insurance

woman hugging a dog


It can be difficult to keep your pup healthy when bills from the vet continue to put pressure on your bank account.

Fortunately, you can get an affordable pet insurance policy with Embrace. This pet insurance company, started by actual pet parents, covered over 93% of all of their claims in 2019.

Choosing a dog insurance policy will provide your canine with coverage for hospitalizations, injuries and illnesses, emergency care, therapy, treatment, medications, and much more.

And get this — Embrace even reduces your policy’s deductible by $50 every year that you don’t receive a claim payment.

You can get a free quote from Embrace today and find out how affordable it can be to put your dog’s health first!

2. Leave Your Family Up to $8 Million

couple kissing kid

J carter on Unsplash

One of the best things you can do for your family (including your dog!) is to make sure that they would be taken care of if you were to pass.

The reality is that most people don’t have nearly enough money in savings. With a life insurance policy, however, you can supplement what you have in savings and leave your family with more than enough money to pay for your mortgage and everyday bills — including those costly vet bills!

Ladder makes life insurance easy and affordable. Plans start at just $12 a month and you could get coverage up to $8 million.

What’s more, you can sign up and get a plan in a few minutes — without even providing a medical exam or filling out stacks of physical paperwork.

Don’t wait to get life insurance, because it only becomes more expensive the older you get. Get a free quote from Ladder today and find out how affordable it can be to leave a large sum of money for your family!

3. Switch Out Your Auto Insurance Policy for a Cheaper One in Minutes

cars parked in the driveway next to houses

Erik Mclean on Unplash

As you drive your dog around to the vet, park, and other places, have you thought about just how much you’re paying for auto insurance?

Like many people, you’re probably overpaying.

With EverQuote, you could easily find a much cheaper policy. This insurance comparison site, with only a few details about your vehicle, will do all of the shopping for you.

In minutes, you’ll have multiple rates to compare in one place — sometimes from companies you’d never have thought to check out!

And guess what? It’s free to use. Potentially save hundreds of dollars on a new auto insurance policy and use that money to buy pet insurance or a pet emergency fund instead.

Try EverQuote today and find out how much you could be saving!

4. Tell This Company to Get Rid of Your Credit Card Debt

person holding credit cards

Avery Evans on Unsplash

Have you amassed a considerable amount of debt with your credit cards? Maybe you’ve even used them to pay for dog food, pet supplies, and vet bills.

Here’s the problem. Credit cards typically come with high interest rates, and credit card companies make a killing off customers who keep paying heavy interest fees.

But by finding a low-interest personal loan to replace your high-interest credit card debt, you could potentially save thousands of dollars on interest. Credible can help with this.

In only 2 minutes, this online marketplace will find multiple personal loan options from top lenders for you to compare at once.

Once you apply and are approved, you could have the funds to pay off your credit cards as soon as the next business day. What’s more, you can use any leftover money for whatever you want — whether it’s pet insurance, a pet emergency fund, life insurance, or something else!

To start, check out your rates with Credible today and learn how easily you could get rid of your credit card debt.

5. Get a Much Cheaper Homeowners Insurance Policy in Minutes

green house with plants and bicycles outside

Chris Ross Harris on Unsplash

Homeowners insurance is an area where many people pay way too much. By finding a cheaper policy, you could easily free up some money and put it towards your pup!

And with EverQuote, you don’t even have to do the shopping. Simply provide this insurance comparison site with a few details about your home and they will find you multiple home insurance quotes.

Compare all of your options in one place and EverQuote will help you make the switch in minutes. And get this — EverQuote is not only easy to use but also free to use.

Try EverQuote today to determine what you could be saving on homeowners insurance!


1. Protect Your Home’s Systems and Appliances With Affordable Coverage

inside of a kitchen

Sidekix Media on Unsplash

Because dogs will be dogs, that means their might be things that break around your home. Repairing or replacing certain systems can often wipe out your savings account or emergency fund in one hit.

American Home Shield is a home warranty company that helps cover the costs that insurance won’t cover.

AHS offers three different plans, and coverage of up to 23 different home appliances and systems — including heating and cooling systems, electrical systems, plumbing systems, kitchen appliances, and much more.

Breakdowns happen all the time. With AHS, all you have to do is request service online or over the phone, wait for your assigned repair professional to arrive, and have your appliance or system repaired. If it can’t be repaired, AHS will replace it!

Over 1.8 million members trust the company to keep their homes up and running. Shop plans with American Home Shield today and make sure you have the protection you need for your home!

American Home Shield is currently available in all states except for Alaska.

Shop your plan now.

2. Build the Health Insurance Policy You Need (and Can Afford!)

woman getting vaccine from doctor


You want to make sure you’re as healthy as possible to enjoy as much time as possible with your beloved pup. But let’s face it — health insurance is also really expensive. Plus, options are limited, so you don’t always get the coverage you need or the deductible you want.

Fortunately, there’s a new way to do health insurance in this “new normal” — Sidecar Health. This company allows you to completely customize your health insurance plan!

With your plan, Sidecar Health will send you a payment card, which you’ll use to access your benefits for medical services. After a visit, you’ll be charged 20% as the “estimated expense” and the remaining 80% will be charged to your Sidecar Health payment card as the “estimated benefit.”

Sidecar Health is currently available in AL, AR, AZ, FL, GA, IN, KY, MD, MS, NC, OH, OK, SC, TN, TX, and UT.

Take a photo of your bill and submit it through the app; your account will then be credited or debited accordingly, depending on what your plan covers. As a member, you can also wave goodbye to out-of-network fees, as your plan will work with any doctor!

Through Sidecar Health, members are able to save 40% or more on the cost of care. Get a free quote from Sidecar Health today and finally get the health insurance plan you’ve always needed!

Get your free health insurance quote now.

3. Get the Best Extended Warranty for Your Car

mechanic working under the hood of a car

NeONBRAND on Unsplash

You’re only one breakdown from having to fork out hundreds of dollars (thousands, in some cases) to get your car back on the road! And let’s face it, your dog would rather you spend the money on some delicious treats for him.

Well, with Olive, you can get an extended warranty for your car for an affordable price each month.

Olive allows you to tailor a plan to coverage needs and monthly budget, and your rate is fixed for the life of your term. You can also cancel at any time without penalty!

What’s more, there’s no waiting period. After your first payment, your coverage will start at midnight. You’ll be covered up to 185,000 miles, with no annual mileage restrictions.

And filing a claim is easy. Use Olive’s RepairPal tool to find a repair shop near you and Olive will pay your bill directly so that you don’t have to wait for reimbursement.

Finally, Olive invests a portion of your premium in renewable energy, sustainable infrastructure, social services, and other community programs at no extra cost to you.

Get a free instant quote from Olive today and you could have an affordable extended warranty for your car by midnight!’

Get your car covered here.

4. Get Rid Of Credit Card Debt

woman sitting on the couch worried about bills


Are you stuck paying for credit card interest? After all, credit cards often come with extremely high interest rates that keep users trapped in debt.

Don’t make that mistake again — if you have credit card debt, you could eliminate it today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans without any impact to your credit score. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $600 to $100,000.

All it takes is two minutes to check out your rates with Credible and potentially find a loan that wipes out your credit card debt and saves you thousands.

See your personal loan rates now.

5. Diversify Your Investments By Investing in Fine Art

womans portrait art

Vlad Kutepov on Unsplash

As the stock market suffered as a result of the pandemic, we realized the value of diversifying our investments. Our family and pets futures depend on it! For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

See important disclaimer: masterworks.io/disclaimer

Be Wise With Your Money — Your Pup Will Thank You

It doesn’t take much to provide your pup with better care. Saving a little money in multiple areas could result in significant savings that you can put towards your dog’s health and livelihood.

Take some of these steps today, alleviate the pressure on your bank account, and show your dog why they are still man’s best friend!