People who enjoy splashing out on Kong dog toys and luxury dog beds must make sure they have taken out a pet insurance policy that covers their four-legged friend.
Mike Powell, of financial research company Defaqto, told Melanie Wright from the Daily Mirror that the results of taking out the wrong policy can be severe.
He said: "It is critical to get the decision right first time.
"If a pet develops a life-long condition but its owner took out a policy only providing limited cover, changing it will be difficult due to the pre-existing condition and the owner will have to meet the full cost of treatment indefinitely."
Phil Paterson-Fox, head of pet insurance at Gocompare.com, added that while it is tempting to see pet insurance as a luxury rather than a necessity, it will be much harder to find thousands of pounds to pay for treatment after an accident.
A spokesperson from the Kennel Club recently said that dog owners need to know that they can afford to care for their pooch properly because they are an important family member.