The cost of treatment varies, depending on the type of injury or illness, whether it’s a chronic condition, the breed of your cat, where you live and which vet you use. But you could be looking at a bill in the thousands of pounds for broken bones or pet hospital stays – could you afford to pay that yourself?

Pet insurance can cover a large part of the cost. The type of pet insurance you choose will depend on how much you can claim for, and how long.

For example, a fractured leg means expensive x-rays, surgery and physiotherapy, which would be covered by a time-limited policy.

But this could easily lead to longer-term costs: more surgery for the removal of stabilising pins and treatment for joint stiffness or lameness resulting from the original fracture – if that continued for more than 365 days, your time limited policy would stop paying out, but you could continue to claim on a lifetime policy, as long as you keep renewing it.

As your pet grows older, your pet insurance costs will probably increase. But so does your pet’s chances of needing to see a vet for an illness or injury.