SNAP!

I suppose the other thing I have noticed is that when we do end up at the vets (operation to remove a thankfully non-malignant growth last year for example) is that you are asked whether or not you have insurance as you walk through the door. I have to say that I feel the charges that we have paid have been very reasonable and possibly quite different to what would be billed to an insurance company.

Hardly a thorough investigation - just my spider sense tingling.