M&S money Pet Insurance claims that summer is the busiest time of year for its advice line, as pets find new and unusual ways to get injured.

Among the calls received by its 24-hour Vetfone line was the story of a six-month old English Bull Terrier who somehow managed to swallow a whole frog while out on a walk.

Clare Scantlebury, Vetfone deputy operations manager, comments that it is important to remember that accidents such as this one do happen and can cause real problems.

She says: "It's lovely for pets and their owners to enjoy being out and about during the summer, but they need to be aware of hidden dangers."

Advice from M&S Money Pet Insurance indicates that dog owners should be watching out for conkers, as weather conditions have led to them falling early this year and if swallowed they can cause dogs to become ill.

In September North America will be celebrating Pet Health Insurance Month, according to the North American Pet Health Insurance Association.