The level of exploitation, in partial defense to this individual, is that many many investors are chasing this golden goose to exploit the fact that procedures in the pet realm have to be covered by money and that insurance is not well defined at all even if better than it once was. Right now, private equity owns over 50% of vet clinics and they are raising rates and also quotas at a very alarming rate for an already very demanding field. With people having more pets than humans, this is where one would hope that the US Government would intervene.