Did you know that 34% of UK pet owners have faced an unexpected vet bill over £2,000 in the past three years? A 2025 study by the British Veterinary Association (BVA) revealed that pet insurance claims have risen by 18% since 2023, with accident and illness policies now covering more breeds than ever. In this article you’ll discover the five critical questions every UK pet owner must ask before buying insurance—and the one mistake that could cost you thousands. Spoiler: most owners choose the wrong excess level.
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