The Neighbourhood Vet, despite the name, is no longer run by the two independent vets who started it but individuals who describe themselves as ‘Finance Director’ and ‘Accountant’ who also own* a few hundred other vet practices throughout the UK. https://find-and-update.company-information.service.gov.uk/company/07692597/officers I suspect the vets themselves, who I believe are employees, may be placed under a lot of pressure to maximise income which is easier to do when a pet has insurance hence the promotion of insurance policies. Lordship Lane Vets was incorporated into Medivet some years ago and I guess large conglomerates of practices is the way of the 21st century, not always to the benefit of pets or their owners. Mr Lomax used to terrify me I have to admit but I never felt he was trying to make as much money as he could out of me and had the best interests of the animal at heart. * Edited: This may be incorrect in that they are directors of the other practices rather than own them.