In recent years huge advances have been made in veterinary medicine. Vets can now do things to improve the health and welfare of dogs that would have been unimaginable or impractical only a few years ago. Not surprisingly, these advanced surgical and medical treatments are often expensive so that a vet's bill for intricate surgery or a prolonged course of treatment could be hundreds (or even thousands) of pounds. Many pet owners worry that they will not be able to afford to pay for treatment if their dog becomes sick or has a major accident.