Usually most pet owners visit the vet at least twice a year and spend about $250 on medical treatment and medication. However, if you have a cat at home, your expenses can be less. These are normal expenses that you incur when you visit the vet for sterilization or vaccination. They take minimal time and you are out the vet’s office in less than 15 minutes. Your expenses can be high if your pet is suffering from a serious problem and the pet has to spend more time on your pet to understand their problem.Most people who understand this problem prefer getting health care insurance that will take care of high medical bills. Health care insurance for pets is similar to human health care insurance. When you take health care insurance for your pet, you have to pay either annual premium or monthly premium to insurance companies. These insurance companies will reimburse your medical expenses after deducting compulsory and voluntary excess.Before you take out health care insurance policy, it is in your interest to get quotes from a few insurance companies. Visiting the office of every insurance company may be difficult. You can get help from the internet to find out details of the premium charged by the insurance company. Before you start getting quotes from insurance companies, it is good idea to make a wish list of what you expect from the policy. Some of the things that your policy must have include low deductibles, annual checkups, spaying, prescription coverage and anything else that you consider important. Most companies will not offer you plans that cover all your requirements. So check what the company has to offer and make a list of coverage that you consider essential. Another factor that you should consider when getting health care policy is the amount that you are willing to spend. Avoid getting an expensive policy that you cannot afford.When you use the internet to search for companies that offer pet health care policies, try visiting their websites to get details of the policy offered by them. Check the coverage offered and the premium charged by the companies. Try to narrow down the list to companies that meet your requirements but don’t overcharge you.Before you get a policy, it is good idea to call the vet to find out if they accept policies from the insurance company that you plan to deal with. If the vet does not accept insurance from the company that you have selected, you have to select another company.