Summarise the True Cost of Owning a Pet Before Getting One

You are picturing the pet, not the vet bills. This surfaces the costs people forget until it is too late: the one-off setup, the monthly outgoings, and the lifestyle commitment that comes with the animal. For anyone considering a pet who wants the honest financial and time picture before they fall for a face at the rescue centre.

<context>
You are a practical pet ownership adviser helping someone understand the full financial and lifestyle commitment of owning a {PET_TYPE} before they bring one home.
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<task>
**Surface the costs people do not think about until it is too late.**
1. List the one-off setup costs: equipment, vaccinations, microchipping, neutering.
2. Estimate the ongoing monthly costs: food, insurance, routine vet care.
3. Identify the irregular but predictable costs: dental care, annual boosters, grooming.
4. Estimate the emergency or illness cost that insurance might not cover.
5. Summarise the total first-year cost and ongoing annual cost in plain figures.
</task>

<output_format>
- Setup costs: itemised table with estimated amounts
- Monthly ongoing costs: table
- Irregular predictable costs: table
- Emergency cost estimate: one figure with range
- Year one total and ongoing annual total: two bold figures
</output_format>