“This is incredibly surprising to see, as many Americans might not think about how much they spend on their pet’s health care instead of their own,” the authors write. “Some possible explanations for this could include people putting their pet first in the order of who gets health and dental appointments, or being neglectful to their own health to the benefit of their pets.”

More than a third (39 percent) of respondents have pet insurance for their animal, and they spend $76.76 on average per month on premiums. A majority of those respondents (77 percent) say pet insurance has come in handy for emergency expenses.

Indeed, 39 percent of those respondents without pet insurance have had to pay at least one large expense at an average cost of $1,021.59.

Eighty-eight of respondents with pet insurance say “it’s worth it,” the authors write.

Other key findings include:

• The average purchase price of a pet was $282.75. Broken down by type of pet, dogs cost the most ($327.13 on average), followed by birds ($127.38); cats ($89.89); reptiles ($78.12); fish ($57.38) and guinea pigs, hamsters and rabbits ($53.58).
• On average, pet owners spend $139.73 on average per month on their pet. Broken down by type of pet, dog owners spend the most ($157.39 on average), followed by bird owners ($127.38); cat owners ($95.11); guinea pig, hamster and rabbit owners ($63.64); reptile owners ($56.88) and fish owners ($53.60).
• More than half (55 percent) of monthly pet expenditures go towards purchasing food, followed by health/vet costs (24 percent); toys and accessories (13 percent) and other expenditures (8 percent).

Read more: 

• Gen X has the most insured pets
• Pet insurance claims surge as usage grows
• 5 most common and 5 most expensive pet insurance claims
• 11 unusual pet insurance success stories