1. Take Your Best Shots

“The best way to save money on pet care is to practice good preventive medicine,” says Louise Murray, director of medicine for the ASPCA Bergh Memorial Animal Hospital in New York City.

Getting the proper vaccinations reduces health problems, which ultimately saves you hundreds of dollars on treatment costs during your pet’s lifetime (and makes that lifetime last much longer). “These vaccines prevent diseases, like distemper (in dogs), which are widespread, extremely infectious and potentially very devastating to your pet’s health,” notes Murray.

Ask your vet about your state’s requirements for rabies shots: Some areas allow pets to undergo the new rabies vaccine that is good for three years, which would lower your annual vet bill. And cats may be able to forgo rabies shots altogether if they only stay indoors.

2. Get A Nip And Cut

Cats and dogs that have been spayed or neutered experience much lower rates of breast cancer and other serious diseases, according to research. They also have fewer behavioral problems.

According to Consumer Reports, the procedure will set you back about $128 to $195 for dogs and $83 to $125 for cats, but there’s a good chance you can get a better deal. Your neighborhood SPCA will often perform the surgery for less. You can scope out other affordable spay or neuter programs at spayusa.org. Even better: Animal adoption agencies often spay and neuter without charge when you adopt a pet.

3. Make The Vet Visit An Annual Affair

Don’t wait until something is wrong to take your pets to the doctor. The American Animal Hospital Association recommends wellness examinations at least once a year, which can help veterinarians spot maladies before they become serious. The average annual physical includes an exam and vaccinations, and can cost up to $146 for dogs and about $120 for cats.

The best way to pare down the price? Make sure your pet stays as healthy as possible. You’ll save on medical expenses if you do routine brushing (and bathing, for a dog) at home, which not only wards off skin infection but gives you a chance to feel for precancerous lumps in your furry friend’s abdomen early on.

Also vital: Clean your dog’s teeth every day, if possible, or at least two to three times a week. For a low-cost brushing option, “wrap a piece of gauze around your finger and scrub the outside of your pooch’s teeth in a back and forth motion,” says Murray. This will help keep tartar and plaque at bay, and minimize the need for dental cleanings at the vet.

4. Go Easy On The Chow

Like humans, overly plump pets are prone to diabetes — and additional pounds contribute to muscle and joint trouble. Keep your four-legged pal’s waistline in check by monitoring his eating habits and making sure he gets enough exercise. You might also want to start feeding your no-longer-little guy special food made for overweight animals.

5. Shop Around For Health Care

Many humane societies offer quality veterinary services for less than private practices. Another idea: Think about volunteering at your local clinic. You might net a discount on animal care. For a list of clinics in your area, visit pets911.com and aspca.org.

6. Find A Better Deal On Medicine

Drugs sold by veterinarians have a markup of 150 percent to 175 percent, reports Veterinary Economics magazine. Instead of purchasing prescription medications and flea and tick preventives from the vet, consider shopping online at sites like 1800petmeds.com and kvvet.com. (You’ll need to send a written prescription from your vet for some medicines.)

If your pet is taking a brand-name drug, ask your vet if there’s a generic equivalent — it will have a smaller price tag. And inquire about samples; it’s likely your vet has some on hand to give out for free.

7. Negotiate Your Payments

Don’t be afraid to be up front with your vet about your financial situation. Some practitioners will work out reduced rates or payment plans with their clients. Another option is CareCredit, a national program that allows pet owners to pay for treatments on a monthly basis (carecredit.com/practices/veterinary).