The South East of England has the most expensive veterinary costs in the UK, with the average bill amounting to £98.64, according to Saga Pet Insurance.

Research from the insurer also found that the South East is the most expensive area to be a dog owner, with the average dog’s vet bill coming to £347.89. For cat owners in the North West – the most expensive region in which to be a cat owner – the average bill amounts to £321.36.

Pet owners can expect to pay up to £4,000 if their animal fractures a bone and up to £10,000 over several years if their pet has a more complicated condition such as a tumour or spinal disorder.

Andrew Goodsell, Chief Executive, Saga Group Ltd, said: “Without appropriate pet insurance in place, owners could be faced with the nightmare prospect of having to withhold care because it’s simply too expensive.”