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Re: vet costs
When I had my horse many years ago I was told that a vet that the previous owner had used could not do the vetting for the insurance it had to be a vet who hadn't treated the horse before.
I don't know if thats still true but I know when I bought Roxy I asked the vet whose daughter had horses on the yard but they couldn't do it as they were the owners vet.
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