Surrey vet Matthew Morgan has been struck off by the RCVS Disciplinary Committee after being convicted and imprisoned for four counts of pet insurance fraud.

Mr Morgan was convicted, upon his own confession, of dishonestly making false representations to make gain for himself/another or to cause loss to other/ expose other to risk on 22 July 2013 at the Central Criminal Court and, on 23 August 2013, was sentenced to two years' imprisonment.

The Disciplinary Committee heard that Mr Morgan, who was not present at the hearing but represented by Mr Laurence Imrie, Solicitor Advocate, had, between 13 November 2009 and 21 December 2012, taken out 18 insurance policies for veterinary cover with four separate insurance providers - Direct Line, Pet Plan, Pet Protect and Sainsbury's - in relation to a number of pets. Of these pets, only one, namely his pet cat, actually existed - the rest were fictitious.

During this period, the respondent made 50 claims on the insurance policies, seeking payment to reimburse him for the cost of veterinary treatment for the fictitious animals and also making false claims for treatment for his own pet cat, including for invented injuries 'sustained' during a non-existent car accident. As a result of the claims, the insurance companies made 54 payments to Mr Morgan to which he was not entitled, totalling £198,295.

At the time he began committing the offences Mr Morgan was working as a veterinary surgeon at a practice in Kent and, in order to support his fraudulent claims, used the practice's official stationery and stamps to fabricate invoices, clinical records and insurance claims. He continued to make fraudulent claims after leaving the practice, having taken the practice's headed paper and stamp with him.

Mr Morgan's actions came to light in December 2012 after submitting a claim to Direct Line for an operation on the spine of his own cat. The insurance company became suspicious and contacted the Kent practice which confirmed he had not treated the cat. An investigation by the insurers and, subsequently, the police began.

On 31 December 2012 Mr Morgan voluntarily attended a police station where he admitted fraudulently claiming £5,534.52 from Pet Plan and £7,610.03 from Direct Line, citing financial pressure caused by divorce, but failed to admit to the rest of his fraudulent activities. He was arrested on 25 January 2013 and, upon searching his home, police found the stamp and headed paper along with documents relating to the insurance claims.

The Disciplinary Committee, in considering the conduct of Mr Morgan, took into account a number of serious aggravating factors. This included the very high degree of financial gain from the fraudulent activities, the fact that there were 50 separate premeditated acts of dishonesty over a three-year period, the betrayal of trust of his former employer and the insurance companies, the potential reputational risk for his former employer, the abuse of his position as a veterinary surgeon and the fact that completion of insurance claims is an act of veterinary certification.

The Committee also considered, in mitigation, a letter from Mr Morgan to the Committee, three testimonials and representation from his legal representative. These cited the fact that Mr Morgan, when he committed the fraudulent activities, was heavily in debt, had serious domestic difficulties and was suffering from depression, although no medical evidence was submitted to the Committee.

However, it was the Committee's decision that the sanction of removing Mr Morgan from the Register had to be taken, in order to protect animal welfare and maintain public confidence in the profession.

Chairing and speaking on behalf of the Disciplinary Committee its Vice-Chairman, Ms Judith Webb, said: "The Committee is of the view that the Respondent's conduct in this case was deplorable ... Such conduct can only undermine public confidence in the profession. The Respondent abused his position as a veterinary surgeon to perpetrate a deliberate long-term fraud on insurers for personal gain.

"The Committee is conscious that its role is not to punish but to protect animal welfare and maintain public confidence in the profession. Due to the serious nature of the matters before it...the Committee has no doubt that the only suitable sanction is to direct the Registrar to remove the Respondent's name from the Register."

The Committee's full findings and decision are available on the RCVS website (www.rcvs.org.uk/disciplinary).

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