(BPT) - As the cost of living continues to rise and economic uncertainty lingers, many households, including pet owners, are feeling stretched. MetLife's latest Employee Benefit Trends Study (EBTS) found that 83% of Americans say rising living expenses are a top source of stress, while 77% cite economic uncertainty as a major concern. In response, many families are re-evaluating spending and looking for places to cut back.

For pet parents, that pressure can lead to tough tradeoffs, such as delaying routine veterinary visits or skipping preventive care. While those decisions may ease short-term financial strain, they can carry longer-term consequences for both pet health and household budgets.

Preventive care, including annual checkups, vaccinations and screenings, is widely recommended by veterinarians and plays a critical role in keeping pets healthy. Yet as everyday expenses, from groceries to healthcare, continue to climb, it can be tempting to postpone routine care, even though doing so may lead to higher and less predictable costs later on.

Thinking of preventive care as one way to safeguard your pet's well-being - and your own peace of mind - can make it easier to prioritize during financially stressful times.

Preventive Care Is Common - and Often Effective

Most veterinary visits aren't driven by emergencies. In fact, MetLife Pet Insurance's recent research found about 60% of vet visits are preventive rather than reactive, underscoring the role routine care plays in keeping pets healthy. These visits often make a real difference: 37% of pet parents say routine care helped them catch a health issue early, when treatment is typically simpler and more affordable.[i]

"Preventive exams allow veterinarians to spot subtle changes you might not notice at home," said Brian Jorgensen, CEO of MetLife Pet Insurance. "Catching issues early can reduce the likelihood of more complex, expensive complications later."

Cost Pressures Can Lead to Delays

Even when you know preventive care matters, cost can be a barrier. Seven in 10 pet parents say they've delayed or skipped veterinary visits due to expense, according to MetLife Pet Insurance research. Among those who postponed care, 35% say their pet's condition worsened - sometimes requiring more intensive treatment than if it had been addressed sooner.[ii]

Delaying care can also take an emotional toll. Nearly three-quarters of pet parents who delayed care said they felt guilty, while many also reported feeling anxious, ashamed, uncertain or helpless.[iii] As veterinary costs rise alongside everyday expenses, balancing short-term savings with long-term risk becomes increasingly difficult.

Why Preventive Care Often Costs Less

Preventive care can play an important role in helping pet parents plan and budget over time, replacing unpredictable, high-cost medical crises with more manageable, routine expenses.

One simple example is heartworm disease: According to the American Heartworm Society, a year of heartworm prevention typically costs $70 to $200, while treatment can range from $1,200 to $1,800, not including follow-up care.[iv] Dental care follows a similar pattern: a routine exam and cleaning may cost a few hundred dollars, but untreated dental disease can lead to extractions costing $500 to $2,500.[v]

"Many of the most expensive conditions affecting pets don't appear overnight," Jorgensen noted. "They develop gradually, which is why routine checkups and prevention are so important."

How Pet Insurance with Wellness Coverage Can Help

For many pet parents, the challenge isn't understanding the value of preventive care - it's fitting routine costs into a monthly budget. Pet insurance with a wellness add-on can help make these services, such as exams, vaccinations, dental cleanings and parasite prevention, more manageable by turning them into planned, predictable expenses.

That predictability can make it easier to stay on schedule with recommended care, reducing the risk that small issues become larger, more costly problems.

A Seasonal Reset with Lasting Impact

Spring is a season of renewal - for people and pets alike. Scheduling routine checkups, staying current on preventive care, and addressing small concerns early can help your pet stay healthier throughout the year, while reducing the likelihood of unexpected, high-cost medical events.

Preventive care benefits both you and your furry loved one - not only does it protect the bond you share, it also safeguards the financial well-being of your household. This spring, a simple wellness visit can be a meaningful reset, offering peace of mind that lasts long after the season changes.