Before making that final decision in buying your pet medical insurance consider your requirements. Many pet medical insurance companies have various types of policy for different and types of pet. Consider this, insuring a cat will be more expensive that a dog. Insuring a mongrel will be cheaper than a pure breed animal. Even if a company where a person is employed shoulders more than half of the insurance policy, the employee still shells out a small part for his health insurance. The averge cost is usually $3000. Employee shares usually range from $300 - $500. In acquiring a pet insurance policy, the pet owner definitely pays a lower insurance premium than that of a human insurance policy. Several insurance groups even have special policies for pets whenever they get lost or stole. Pet owners could be reimbursed for how much they spend on advertising for a lost pet and could also recover a portion of the animal's original price when it failed to be recovered. Health insurance for pets should not be taken for granted. However, responsibility comes with a price tag. Personal time, as well as the financial aspect of having your pets taken to the veterinarian to undergo basic tests are one of the few reasons why having a pet is a huge responsibility. Studies show that majority of veterinarian visits are unscheduled because of emergencies. Various surveys show that 75% pet owners made unscheduled visits veterinarians in the past couple of years. Risking a pet s health to fate is not advisable as chances are your pet will become sick sometime in the future. Getting pet insurance is one way of ensuring that your cat and dog will have a healthy and happy life. Dog bites are the most common cases that have been associated with liability claims however there are other incidents that would also be filed for liability claims. Instances such as your pet scared someone resulting in injuries while fleeing from your pet. There are also others that cause damage to property indirectly but have been proven to be associated to the pet's actions.