A small dog profile where insurance wording, referral limits, weight management and dental planning deserve more attention than food cost alone.
£2,663 first-year estimate
This is a planning model, not veterinary, clinical, insurance or financial advice. The health reserve is an editable budget buffer, not a prediction that your pet will develop a condition.
Small dog / higher planning reserve
The breed engine starts with editable planning assumptions for common ownership costs. It deliberately keeps clinical claims separate from budgeting. The health reserve is included because routine vet prices do not represent the full ownership cost, but it is not a diagnosis, forecast or breed-health finding.
Replace the default routine-care, neutering, booster and consultation assumptions with prices from local practice pages where available. Then confirm inclusions directly with the practice before making a decision.