https://www.vetsurgeon.org/f/clinical-questions/26918/insurance-notification [quote user="Niall Taylor"][quote user="Lucy Fleming"]I wonder if a client can submit a claim for £0.00 when eg murmurs, cataracts etc first noted to close this loophole?[/quote] In a way this is what I often advise. If I find something - mild murmuren-USTelligent Community 10