Scottish Terrier
12–14 year lifespan · small breed · 18–22 lbs
$36,500 – $49,500
Estimated 13-year lifetime cost of a Scottish Terrier in California, excluding insurance
For your breed and state, self-insuring is likely more cost-effective than paying premiums.
How much does a Scottish Terrier cost per year?
Annual cost breakdown for a Scottish Terrier in California. Ranges reflect typical low-to-high spending.
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What health problems do Scottish Terriers have?
Breed-specific conditions your Scottish Terrier may face, ranked by expected cost impact.
Mast Cell Tumors
Lymphoma
Patellar Luxation
Von Willebrand's Disease
Hypothyroidism
Risk tier: low. Total expected medical cost: $1,500 over the breed's lifetime.
Is pet insurance worth it for a Scottish Terrier?
Over your dog's lifetime, you'll pay $4,500 in premiums. Expected uninsured medical costs: $0–$3,500.
Lemonade
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
Pets Best
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
MetLife
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Dental illness included
- ✓ Unlimited annual limit available
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Frequently asked questions
How much does a Scottish Terrier cost over its lifetime?
A Scottish Terrier costs between $36,500 and $49,500 over its 12–14 year lifespan in California. The first year typically costs around $4,900 including supplies, training, and initial vet visits.
What are the most common Scottish Terrier health problems?
The most common health issues for Scottish Terriers include Mast Cell Tumors, Lymphoma, Patellar Luxation, and Von Willebrand's Disease. Owners should budget for both preventive care and potential treatment costs.
Is pet insurance worth it for a Scottish Terrier?
For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Scottish Terrier is a small breed with moderate health risks. Moderate health risks. Good value if specific breed conditions develop.
How much does Scottish Terrier food cost per month?
Scottish Terrier food costs typically range from $28 to $62 per month, with an average of $46. Costs vary based on food quality, brand, and your dog's specific dietary needs.
How much is Scottish Terrier pet insurance per month?
Pet insurance for a Scottish Terrier costs $19–$50 per month (average $35/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.
Sources
Figures on this page are modeled estimates calibrated to published benchmarks (accessed 2026-07-21). Breed characteristics follow AKC breed standards. Full formula and inputs: our methodology.
Scottish Terrier cost by state
Vet prices and insurance premiums vary widely by state. See the full Scottish Terrier cost breakdown for where you live.