"Pet insurance usually covers - depending on policy - veterinary bills, holiday cancellation, advertising if the animal is lost and payments [to the owner] if the animal dies," she commented.
"Kennels and catteries should have insurance such as public liability."
She went on to say that catteries and kennels need to be licensed and that they are regularly checked by local authorities to see whether they meet required standards.
Only around 23 per cent of animals are currently insured in the UK, according to the Pet Care Trust's figures.
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