We love our animal companions, but a pet can take a big chunk out of a budget, especially if there’s an emergency. Here are some ways you can pay less at the vet’s office — without compromising your pal’s health.

Shop around

Vet rates have risen at more than twice the rate of inflation in the past 10 years, according to Consumer Reports. Some vets charge higher rates than others for the same services, so it’s worth comparing prices. You can also try contacting animal shelters and nonprofit humane societies for spaying, neutering and other services, which they may provide for less than you would pay a vet. You can find a list of shelters and emergency clinics at pets911.com. Some pet retail chains such as Petco (petco.com) and PetSmart (petsmart.com) also offer low-cost veterinary services and clinics, and your town’s health department may do the same.

Take care of your pet from the get-go

Having routine checkups and getting the proper vaccinations and shots will prevent future health problems, saving you hundreds of dollars over the years. Some specifics: Brushing your dog’s or cat’s teeth once a week will not only keep gum disease and tooth decay at bay, but it can also reduce the need for pricey professional cleanings.

Like humans, obese pets can suffer from problems such as diabetes and heart disease, so keep your pet’s weight stable by watching his food intake and making sure he gets enough exercise. You can prevent other problems by spaying or neutering your pup or kitten: Neutering male pets wards off testicular cancer, prostate problems and hernias. Spayed female pets are less likely to develop breast cancer, and they are also free from the threat of uterine and ovarian cancers.

You can find low-cost spay/neuter programs through SPAY/USA (spayusa.org), a national organization. If you have a specific breed of dog, check with the national club for that breed. Some of these clubs have veterinary financial-assistance funds.

Spend less for pet medication.

Instead of going to your vet to buy supplements, prescription medicines, and tick, flea and heartworm preventatives, try shopping online at sites like 1800petmeds.com and discountpetmedicines.com. And, in the can’t-hurt-to-ask department, see if your vet has any free samples of the drugs your pet needs, or if she can match the online drug prices.

Ask your vet about a payment plan

Vets are typically compassionate people, so don’t be afraid to ask if you can work out a weekly or monthly payment plan. Many practitioners are willing to negotiate if you can’t afford to take care of the full cost up front.