A greater number of insurers now provide cover for kennel and cattery fees, with the sums insured ranging from £250 up to £2,000. This can help if you're needed for an emergency – or have to go into hospital, say – and there's nobody else available to look after your pet.
Some policies even provide the option to have dog-walking cover, if injury or illness means you can't do this yourself.
Usually your stay in hospital needs to be longer than four consecutive days for this to pay out – though some policies are more lenient.