If you get more than one pet owner together, the conversation is likely to turn to vets’ fees and Pet Insurance before too long. Nearly every time Mum takes me out we meet someone else who has had chronic illnesses or allergies as I have done. We took out insurance when I first came to live here and we did not claim during the first year, then in the second year I got and ear infection and we claimed for the vet’s costs.

The company we were insured with was supposed to be a specialist in Pet Insurance, but they were certainly not specialised in working quickly. It took three months of letters backwards and forwards before they agreed to pay the claim. Then another letter arrived, and we ripped it open expecting the cheque. No – the letter just said they agreed to settle! The cheque took another three months to arrive, and by then the policy was due for renewal. Needless to say we did not renew with them. Then we found out M&S are now doing Pet Insurance, it is much better to go with a company that’s well known for quality and service. I still hope to stay well, of course but it is nice to know that the claim will be handled properly if we do need the insurance.