How much would a dog without insurance cost to visit the vet? Approximately 45% of American households own a dog these days. Do you currently own a dog or are you considering getting one in the future? If so, be aware that caring for a dog is a costly endeavor that typically requires both time and resources. Food, toys, training, and medical care for a dog come at a high cost. In addition, you have to factor in the expense of visiting the veterinarian, which pushes up your budget. You will not be able to pay for veterinary visits, fees, medications, and treatments if you do not have pet insurance, so you will need it to handle all these costs.