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Pet insurance

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It doesn't matter whether your cat is a Persian blue or more at home in an alley, pets are part of the family and no-one wants to see them suffer.

However, there's no NHS for animals. If Fido or Puss is hurt in an accident or becomes ill, you are responsible for paying the vet's bill.

And that can be very expensive. For example, the cost of an X-ray alone is around £160 and an overnight stay at the vet's could cost set you back £386. The most common knee injury suffered by dogs - a ruptured cruciate ligament - can cost anything from £500 to £2,500 in vet bills.

Every year, one in eight cats and dogs under the age of three suffers from some form of medical condition, so it's important to get covered.

Kittens: cute but do they really need insurance?

What pet insurance covers

It has been estimated that 40% of the cost of owning a dog goes towards unforeseen vet's bills but only 12% of the UK's 13m dog owners insure their pets.

Aside from vet bills, pet insurance can provide other useful cover. For example, if a motorist crashes his car into a wall to avoid running over your dog you could well be covered for the expensive repair to the car - and the wall.

Likewise if your dog bites the postman or worries sheep and you find yourself in court, many policies offer useful legal advice and cover for legal fees.

Legal liability for damage to anyone or their property caused by your pet is required by law if your dog is covered by the Dangerous Dogs Act.

Some policies offer to pay for kennels or boarding if you have to go into hospital, which could be a real bonus for an elderly person living on their own. A few top-of-the-range schemes will pay for holiday cancellation if your pet is sick or injured.

Most will pay for costs for advertising and a reward if your animal is lost, to varying degrees. Some will pay the purchase price of your pet if it dies or is stolen. One or two will even pay out if you need to take your unruly pet to an animal behaviourist.

Pet insurance is to cover you for the unexpected so vaccinations, boosters, wormers, nail clipping, spaying and neutering won't be covered. These cost around £420 a year for an average dog.

What it costs

There is a wide range of pet insurance providers and polices can differ widely. Decide what level of cover you need and what you can afford. The excess on your policy can range from £25 to £65. For some people it may be worth paying a higher excess and a lower premium - for others it may be the other way round.

Dogs cost more than cats to insure, and you sometimes pay extra for pedigree pets and bigger dogs.

Rottweilers are the most expensive type of dog for vet treatment - costing an average of £441 to treat, which is 32% more than the average for pedigree dogs.

More delicate breeds may cost more to insure with some companies. Premiums may vary according to where you live because vets' bills tend to be higher in cities. Sometimes premiums rise as the pet gets older.

Many companies won't let you take out new cover for pets over a certain age, such as eight for dogs or ten for cats. Also some firms will not begin cover until the animal is six or eight weeks old. Other companies have no age limit.

Some insurers will have a maximum figure they are prepared to pay out in a year, others will pay out a maximum per claim for illness or accident. It could make a big difference.

Where to buy pet insurance

You can make savings by buying your policy online and there are often further discounts when insuring more than one pet. The best way to compare deals is to use a comparison calculator.

Make sure you read the small print because the cheapest policy might not offer the best deal - there might be a big excess on the policy or too many exclusions. If your pet develops a serious illness, it could be disastrous if your claim limit is reached and you are unable to find insurance elsewhere.

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