In total, Darcie costs about £107 a month to feed and look after, and is “worth every penny”, Nicole says.

Also, if you are living in the EU before the end of 2020, you will be allowed an Ehic card issued in that country that will be valid in the UK and elsewhere.

When we opted for lifetime cover, the site came up with 53 policies ranging in price from £9.97 a month with the insurer Animal Friends to £74.21 with Asda Money.

She looked at the fine print of her pet insurance product for the first time and discovered that, although the accident insurance she purchased covered poisoning, the definition was very narrow.