• Is your dog covered for third party liability? Remember, if your dog causes injury or damage you could be liable for damages.

• Does the pet insurance cover the cost of advertising and a finders' reward if you pet is lost or stolen?

• If you pet undergoes urgent surgery shortly before you're due to go on holiday, will your pet insurance meet the holiday cancellation costs?

• If you go in hospital, does the policy cover kennel or cattery fees? Some policies will payout after the owner has been in hospital for a certain number of days.

• Does the plan make a payout when your pet dies? If so, how much?

How can you get answers to all these questions? Surprisingly, vets are not particularly well clued up. They normally have details of one or two plans in their waiting rooms but are rarely up to date with what else is available in the market. Perhaps not surprising with all the developments in veterinary care to keep abreast of!

No, you've already found the best source of information – the Internet! Search for pet, dog or cat insurance and you'll find all the information you'll ever need. It might take you an hour to complete your research, and remember to make notes, but it will be worth it in the end.

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