Marks and Spencer Pet Insurance:

"Plenty to wag your tail about.

We all love our pets. Muddy paws. Hair all over the sofa. They're part of the family. Wouldn't be without them. But what happens if they get ill, get lost, have an accident or cause one? Who'll take care of them then? Who'll foot the bill?

The answer should be a well-trained and obedient owner with good pet insurance. And if you insure with M & S, you'll be wagging your tail when you discover that it can cost you a lot less than you'd think.

Key Features:

- Save 15% if you apply online

- Available for dogs and cats aged 8 weeks and over with no upper age limit

- Vet’s bills covered up to £7000 a year, with treatment as long as it’s needed provided you keep your policy renewed

- Save 10% for each additional pet you insure

- Lifetime cover for cats and dogs

- Up to £7,000 veterinary fees each year (An excess of £40 to £80 and 15% of claim may apply depending on pet and location.)

- Pay a small additional premium to remove your policy excess for pets aged 8 and under

- Up to £750 for complementary treatments

- Up to £2m third party liability

- Up to £1,500 for accidental death

- Up to £1,000 for death by illness

- Up to £1,500 theft or straying

- Up to £1,000 for advertising costs

- Up to £500 reward costs

- Up to £750 for emergency kennels or cattery fees

- Up to £2,500 holiday cancellation

- Free pet travel cover

- Free Helplines

- Reduce your premiums with these extra discounts

- 5% off if you apply online (not available with the multi-pet discount, or on that part of the premium you pay to remove the policy excess)

- Save 7.5% when you agree an additional £10 excess

- Save 15% when you agree an additional £20 excess

- Save 10% on the policy of your second and subsequent pets &qout;

If you have been tempted by this, here's the link: