Research the whole kit and cavoodle, vet costs can bite
Rising pharmaceutical costs continued to outpace broader rises, according to insurer PetSure's latest Pet Health Monitor.
Some owners are diligent researchers, the company's chief veterinary officer Simone Maher told AAP.
"But then there are others who unfortunately are caught out because there are some underlying predispositions that they're not aware of and not prepared for," she said.
According to the insurer's data, from more than 700,000 insured pets across Australia, the average dog owner claimed $1047 in vet bills in 2024.
No longer relegated to "outside", dogs are now allowed at many cafes, pubs and offices.
Virgin Australia has announced plans to allow them on domestic flights.
Owners were willing to spend more and plan for vet costs amid the increasing the "humanisation" of dogs, Dr Maher said.
The popular cavoodle accounted for 10 per cent of the insured breeds and were second in costs only behind border collies, with owners claiming less than $800 a year.
Traditional working dogs such as collies and kelpies are less prone to obesity and related diseases, and less likely to need corrective surgeries than dogs bred for exaggerated anatomical features.
The same can't be said for flat-faced dogs such French bulldogs and pugs, which sometimes require complex treatments.
French bulldogs had an average annual claim of $1641.
They also had great personalities, Dr Maher said.
But as with any breed it helps to research, and financial costs aren't the only ones to consider.
"We do need to be mindful that if we are selecting for those features, they do come at a welfare cost," Dr Maher said.
The report also provided some insight into pet name trends.
Whether it's a certain generation of first-time pet owners' enduring affinity for Harry Potter, or perhaps the canine tendency to howl at the moon, Luna is once again the most popular name for female dogs.
It proved similarly popular for cats.
Teddy was most popular for male dogs, while Milo topped the list for for male cats.
Dr Maher advised prospective owners to put some thought into what they call their dog.
"Just make sure it's something you're comfortable yelling out for the next 15 years or so."
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The Advertiser
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But almost eight weeks later, she discovered the pregnancy was ectopic and would have to be removed. In the resulting surgery she lost one of her fallopian tubes and doctors told her she would need to undergo IVF in order to successfully fall pregnant in future. "I just bawled and kept asking if I could still have my babies ... it just crushed me," Ms Murphy told AAP. The couple began to explore their IVF options and quickly realised the cost per round would be between $10,000 and $15,000. "We both just decided we wanted to throw everything at it and worry about the costs later," Ms Murphy said. For many people hoping to become parents, cost-of-living pressures are deterring them from fertility treatment. With Australia posting a record-low fertility rate in 2024, experts say low-cost IVF options will be crucial to addressing the decline in births. The average number of children born per woman was 1.51 in 2024, well below the 1.8 in 2014. 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"There also needs to be additions to Medicare item numbers to expand to all areas such as donor IVF which currently isn't covered." Vikki Mai Murphy always knew she wanted to be a mum but after months of negative pregnancy tests she and her partner Sean realised they would need some extra help. Following a round of intrauterine insemination (IUI), where prepared sperm is placed directly into a woman's uterus, Ms Murphy was thrilled to finally see a positive result for the first time. But almost eight weeks later, she discovered the pregnancy was ectopic and would have to be removed. In the resulting surgery she lost one of her fallopian tubes and doctors told her she would need to undergo IVF in order to successfully fall pregnant in future. "I just bawled and kept asking if I could still have my babies ... it just crushed me," Ms Murphy told AAP. The couple began to explore their IVF options and quickly realised the cost per round would be between $10,000 and $15,000. "We both just decided we wanted to throw everything at it and worry about the costs later," Ms Murphy said. For many people hoping to become parents, cost-of-living pressures are deterring them from fertility treatment. With Australia posting a record-low fertility rate in 2024, experts say low-cost IVF options will be crucial to addressing the decline in births. The average number of children born per woman was 1.51 in 2024, well below the 1.8 in 2014. In 2022, almost 109,000 IVF cycles were performed resulting in the birth of 20,058 babies. Almost half of Australians surveyed by Connect IVF said fertility services were not affordable. Connect IVF was one of the few affordable clinics in an industry that had been driven by a wave of corporatisation, director Brendan Ayres said. "(Our clinics) see a broad section of Australians and we get a disproportionate number of people from lower socioeconomic groups who need fertility treatment," he said. "We also have a number of patients who have been to other clinics and paid tens of thousands of dollars without success and are at their financial wits' end." Ms Murphy discovered Connect IVF by a chance internet search and the clinic was able to accommodate her for her next menstrual cycle. "The cost was substantially lower than other clinics because they bulk-billed the IVF cycle," she said. "It also allowed us to pay for a private obstetrician during my pregnancy, which we wouldn't have been able to afford if we'd had to pay up to $15,000 for the IVF." Ms Murphy ended up with four embryos from the round, which led to her three-year-old son Beau and one-year-old daughter Maia. "I love being a mum. It was such a journey and if I could have just looked into the future and seen my babies it would have made such a difference," she said. 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But almost eight weeks later, she discovered the pregnancy was ectopic and would have to be removed. In the resulting surgery she lost one of her fallopian tubes and doctors told her she would need to undergo IVF in order to successfully fall pregnant in future. "I just bawled and kept asking if I could still have my babies ... it just crushed me," Ms Murphy told AAP. The couple began to explore their IVF options and quickly realised the cost per round would be between $10,000 and $15,000. "We both just decided we wanted to throw everything at it and worry about the costs later," Ms Murphy said. For many people hoping to become parents, cost-of-living pressures are deterring them from fertility treatment. With Australia posting a record-low fertility rate in 2024, experts say low-cost IVF options will be crucial to addressing the decline in births. The average number of children born per woman was 1.51 in 2024, well below the 1.8 in 2014. 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Vikki Mai Murphy always knew she wanted to be a mum but after months of negative pregnancy tests she and her partner Sean realised they would need some extra help. Following a round of intrauterine insemination (IUI), where prepared sperm is placed directly into a woman's uterus, Ms Murphy was thrilled to finally see a positive result for the first time. But almost eight weeks later, she discovered the pregnancy was ectopic and would have to be removed. In the resulting surgery she lost one of her fallopian tubes and doctors told her she would need to undergo IVF in order to successfully fall pregnant in future. "I just bawled and kept asking if I could still have my babies ... it just crushed me," Ms Murphy told AAP. The couple began to explore their IVF options and quickly realised the cost per round would be between $10,000 and $15,000. "We both just decided we wanted to throw everything at it and worry about the costs later," Ms Murphy said. For many people hoping to become parents, cost-of-living pressures are deterring them from fertility treatment. With Australia posting a record-low fertility rate in 2024, experts say low-cost IVF options will be crucial to addressing the decline in births. The average number of children born per woman was 1.51 in 2024, well below the 1.8 in 2014. In 2022, almost 109,000 IVF cycles were performed resulting in the birth of 20,058 babies. Almost half of Australians surveyed by Connect IVF said fertility services were not affordable. Connect IVF was one of the few affordable clinics in an industry that had been driven by a wave of corporatisation, director Brendan Ayres said. "(Our clinics) see a broad section of Australians and we get a disproportionate number of people from lower socioeconomic groups who need fertility treatment," he said. "We also have a number of patients who have been to other clinics and paid tens of thousands of dollars without success and are at their financial wits' end." Ms Murphy discovered Connect IVF by a chance internet search and the clinic was able to accommodate her for her next menstrual cycle. "The cost was substantially lower than other clinics because they bulk-billed the IVF cycle," she said. "It also allowed us to pay for a private obstetrician during my pregnancy, which we wouldn't have been able to afford if we'd had to pay up to $15,000 for the IVF." Ms Murphy ended up with four embryos from the round, which led to her three-year-old son Beau and one-year-old daughter Maia. "I love being a mum. It was such a journey and if I could have just looked into the future and seen my babies it would have made such a difference," she said. "People might think if they pay more money there might be more chance of having a baby, but I have friends who have paid thousands more than us with no success." While the Australian government supports parts of IVF through Medicare, it was not linked to the consumer price index, meaning the gap increased over time, Mr Ayres said. "Australia is a world leader in the technology of IVF but the funding hasn't followed," he said. "There also needs to be additions to Medicare item numbers to expand to all areas such as donor IVF which currently isn't covered."
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Vikki Mai Murphy always knew she wanted to be a mum but after months of negative pregnancy tests she and her partner Sean realised they would need some extra help. Following a round of intrauterine insemination (IUI), where prepared sperm is placed directly into a woman's uterus, Ms Murphy was thrilled to finally see a positive result for the first time. But almost eight weeks later, she discovered the pregnancy was ectopic and would have to be removed. In the resulting surgery she lost one of her fallopian tubes and doctors told her she would need to undergo IVF in order to successfully fall pregnant in future. "I just bawled and kept asking if I could still have my babies ... it just crushed me," Ms Murphy told AAP. The couple began to explore their IVF options and quickly realised the cost per round would be between $10,000 and $15,000. "We both just decided we wanted to throw everything at it and worry about the costs later," Ms Murphy said. For many people hoping to become parents, cost-of-living pressures are deterring them from fertility treatment. With Australia posting a record-low fertility rate in 2024, experts say low-cost IVF options will be crucial to addressing the decline in births. The average number of children born per woman was 1.51 in 2024, well below the 1.8 in 2014. In 2022, almost 109,000 IVF cycles were performed resulting in the birth of 20,058 babies. Almost half of Australians surveyed by Connect IVF said fertility services were not affordable. Connect IVF was one of the few affordable clinics in an industry that had been driven by a wave of corporatisation, director Brendan Ayres said. "(Our clinics) see a broad section of Australians and we get a disproportionate number of people from lower socioeconomic groups who need fertility treatment," he said. "We also have a number of patients who have been to other clinics and paid tens of thousands of dollars without success and are at their financial wits' end." Ms Murphy discovered Connect IVF by a chance internet search and the clinic was able to accommodate her for her next menstrual cycle. "The cost was substantially lower than other clinics because they bulk-billed the IVF cycle," she said. "It also allowed us to pay for a private obstetrician during my pregnancy, which we wouldn't have been able to afford if we'd had to pay up to $15,000 for the IVF." Ms Murphy ended up with four embryos from the round, which led to her three-year-old son Beau and one-year-old daughter Maia. "I love being a mum. It was such a journey and if I could have just looked into the future and seen my babies it would have made such a difference," she said. "People might think if they pay more money there might be more chance of having a baby, but I have friends who have paid thousands more than us with no success." While the Australian government supports parts of IVF through Medicare, it was not linked to the consumer price index, meaning the gap increased over time, Mr Ayres said. "Australia is a world leader in the technology of IVF but the funding hasn't followed," he said. "There also needs to be additions to Medicare item numbers to expand to all areas such as donor IVF which currently isn't covered."
