Stringer
You are wrong about vets receiving a kick back from insurance companies. They are not allowed to give advice on which policies to take out, it is up to the client to choose which suites him ( the client ). Insured clients make a lot extra paperwork for which vets don't charge. If you have a specific case with definite facts, not opinion, pm me and I will take it up with the Royal College and the FSA
Morena