New surveys reveal that 75% of pet owners were forced to make unplanned vet visits in the past two years. Risking a pet s health to chance is not a very wise thing to do as chances are, your pet will become sick sooner or later. Pet owners become very surprised when they are charged with a very expensive veterinary bill. A comprehensive policy though can go as far as covering the service charge of a pet psychologist or costs of cancelling a planned vacation if your pet needs you at the 11th hour. Almost all forms of pet insurance include liability coverage, which will insure the owner if the animal causes bodily harm to someone or destroys the property of a neighbour. 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. Doing so creates a feeling of frustration to its owners because of the added expense of these unforeseen instances. Choosing a pet Never buy on impulse and give yourself an ample amount of time before deciding to get a pet. A pet is a lifetime commitment and will highly depend on its master for all of its needs. Dogs can live for as long as anywhere from ten to fifteen years or even more and a puppy is a living creature you cannot be expose to a trial period. 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. Medical costs for a canine with a heart problem can go as high as 1,000 or a cat with a broken leg will result to bill as steep as 300. Purchasing pet health insurance may be costly at first but this will be better than paying veterinary bills at full charge especially during multiple visits. Many animal treatments in market have been proved to be effective in prolonging the lifespan of a pet.