"Adequate cover" is lacked by 94 per cent of policies, according to pet insurance provider Sainsbury's Bank.
The company believes that this highlights "deterioration in quality" from the previous year.
Cat and dog owners should be cautious when choosing a policy, states Sainsbury's, as around half as many policies lack adequate cover as they did in 2005.
David Pickett, pet insurance manager at Sainsbury's Bank, said: "Pet owners need to make sure that the pet insurance they choose will provide the cover they need in the event of their dog or cat needing treatment.
"We find it incredible that despite the fact that vet bills are on the rise due to improvements in treatment, even fewer policies this year are providing cover for fees in excess of £3,500.
"Many pet owners may therefore have to make up a financial shortfall on the cover provided by their policies."
The company also reveals that it was named as one of Defaqto's "best buys" for cover for cats and dogs.
Sainsbury's Bank also offers home insurance, car insurance and travel insurance.
Pet insurance declining in quality, experts say
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Pet insurance declining in quality, experts say
Tue, 13 Jun 2006
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