Is it worth buying pet insurance?

We’re getting a cockapoo puppy at Christmas and are wondering how well getting cover works

Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.

We’re getting a cockapoo puppy at Christmas (yes, it’s for life). We’d welcome advice on pet insurance. Is it worth buying, or should we just pay bills as we go along? Is it OK to go with one of the more basic policies or are they a false economy? And what’s it like if you have to make a claim?

Do you have a problem readers could solve? Email your suggestions to [email protected] or write to us at Money, the Guardian, Kings Place, 90 York Way, London N1 9GU