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I am not suggesting any vets are doing anything dodgy. But if a vet charges more on an insured pet than a non insured one, doesn't it make it a fraud? There is a box on my claim form that the attending vet has to tick to state that they would charge anyone the same price as they are claiming... just saying...
Yeah, no harm in asking... I've heard of vets charging less for people without insurance. YMMV, though.