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Best pet insurance for dogs and cats

Choosing the  best pet insurance for dogs and cats  is really about protecting yourself from that one “oh no” vet bill that blows the budget, not about ticking a box on a to‑do list. This guide walks through how pet insurance works in real life, what actually matters in a policy, and how to choose a plan you won’t regret later. ​ ​ Introduction: Why pet insurance matters more than you think The first time a vet gives you a quote for emergency surgery or overnight care, you understand instantly why people talk about pet insurance as financial protection, not a nice‑to‑have. In 2025, vet bills for serious illness or injury can climb into the hundreds or thousands of pounds, while average annual pet insurance for dogs is in the low hundreds and even less for cats. ​ ​ Over the past decade, the pet owners who feel most confident are usually the ones who made a decision early: they either committed to building a proper savings buffer or chose a solid insurance policy and understood...
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