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West Highland Terrier Insurance: A Guide to Health, Cover and Costs

Last updated: September 2026

A West Highland White Terrier owner may need cover for a new illness, a condition that returns over several years or unrelated treatment in the same policy period. The type of policy, first signs in the veterinary record, annual limit and owner contribution all affect what happens next.

Westies are predisposed to atopic skin disease, which commonly first appears in younger adult dogs and can occur alongside ear problems. This predisposition gives no incidence percentage and does not establish that an individual dog has the condition....

Why are we dying to ignore environmental catastrophe?

Authored by Martyn Goss
Posted: Sat, 11/11/2017 - 10:11am

Speaking at a recent conference on Mental Health and Young People in Devon, psychologist Dr. Kate Middleton inspiringly encouraged participants to reflect on resilience for teenagers. Coping with challenge and change has maybe never been so difficult than in today’s world, so how can one adapt from the weathers of life and recover from adversity?

This question, when addressed to us all, echoes uncannily with the even greater uncertainties about the ecological crisis we are inflicting on planet Earth - our common home. How can we apply resilience to absorb the shocks that are...

Ten things I needed to know before I wrote my novel

My debut novel, Fox Halt Farm is just out on Amazon and here is the link to my blog - this is a post I wrote a couple of months ago.

https://www.celiascosmos.com/ten-things-before-you-write-your-novel/

Below are the words from that post and if you'd like to see it with pictures please follow the link above. My book is available on Amazon (special launch price for Kindle 99p and also on Amazon as a paperback - if you'd like a signed copy direct from me please email celia@frub.org

HERE ARE THE 10 THINGS I WISH I KNEW BEFORE I WROTE MY NOVEL: I am travelling an...

Together for Life

Authored by Martyn Goss
Posted: Sun, 10/08/2017 - 2:03pm

At the recent Exeter Diocesan clergy conference our three Bishops participated in a panel answering questions from the floor on a variety of contemporary topics. One of those raised was, ‘what are the greatest social challenges facing the people of Devon who we seek to serve at this time ?’ The Bishops responded with helpful comments such as our ageing population, new housing developments, pressures on land-use and the future of farming, as well as health concerns including dementia, loneliness and mental well-being. Their replies prompted me to think about my own response and, whilst not...

Post Truth or Past Thinking?

Authored by Martyn Goss
Posted: Fri, 09/01/2017 - 12:17pm

Many English people do not appear to be too media-literate. We do not read beneath the words or images presented to us, nor think about the intentions of those who communicate with us. We take too much at face value and do not appreciate the deeper or more complex subtleties of what we are being told. Many of us prefer to believe a more immediate or literal understanding of what is in front of us. Nowhere is this clearer than in the newspapers we read, the stories we follow on television or our uncritical use of social media. Though we intuitively know that our own life experiences are...

Why you should think about starting a business around the time you potty train your toddler

Starting a business while you juggle the demands of your toddler may not seem like good timing, but consider this ...

You have a toddler running around, let's say their age is somewhere around the 2.5 year mark. Its probably time to potty train, you can't avoid it for much longer. And if you are crazy like me you will also have a 1 year old crawling around adding to the chaos.

Given that childcare costs for 2 kids easily adds up to £100 per day, you and your partner will most likely have made the decision that there is no point in one of you working. The thought process...

Learning from Exeter's past to shape its future

Authored by Martyn Goss
Posted: Sat, 07/15/2017 - 8:13am

Are there lessons to be learned from Exeter’s past to take into its future? Can we discern characteristics from its history to enlighten the next few generations of this more than two-thousand-year-old city?

From its first beginnings as a prehistoric hill settlement, what has really determined Exeter’s wealth and well-being has been its geographical location – its underlying geology, its climate, and its estuary position east of Dartmoor.

On a promontory overlooking the river valley, Exeter has enjoyed a position of strength against potential invaders, access to water for...

Greenest Government Never?

Authored by Martyn Goss
Posted: Sat, 06/17/2017 - 2:49pm

So, have the results of the General Election been good for the environment?! On the face of it, the Green Party did not gain ground, issues of ecological sustainability did not seem high on candidates’ agendas and Britain now has an Environment Secretary who is not exactly known for his green credentials. Is the outlook therefore bleaker than it was? Firstly, let’s identify six of the key challenges we face: a) Implementation of the Paris agreement on climate change b) Revising UK environmental policies after Brexit c) Addressing major air quality concerns d) Reviewing Britain’s energy...

What is network marketing? A personal view

When someone talks about network marketing what springs to mind? Pyramid scheme? Scam? Maybe you consider people who opt for that profession as part of a ‘brainwashed cult’, writes Jodie Mancuso .

Anyone who works in or has worked in the industry will probably tell you that they’ve heard these pre-conceptions more times than they could possibly count. But in the ever-changing and fast-growing business world, is this highly misunderstood line of work forming an important part of our business future?

The answer is yes, and this article will explain why. But before we get into...

Hubris or Humility?

Authored by Martyn Goss
Posted: Mon, 05/15/2017 - 5:06pm

Five years ago the Diocese of Exeter submitted plans to construct six small-scale wind turbines on its land in three different parishes in north Devon.

These were part of an overall strategy for the Church of England in Devon to reduce its Greenhouse Gas carbon emissions. In the event the planning applications were withdrawn amidst an ambience of acrimony and unpleasantness.

In retrospect, it was agreed the process could have been better handled and there were lessons to be learned. However, the continuing legacy of the whole process was to release dubious forces of...

Post Brexit Easter

Authored by Martyn Goss
Posted: Tue, 04/11/2017 - 6:05pm

We are living at a crossroads when an emphasis on the common wealth or common good is being replaced by an uncertain and dubious individualism.

I have spent the last 35 years of my life and ministry struggling against ‘social evils’ and the forces of reaction. I have collectively engaged in activities promoting greater compassion and equality, peaceful resolution of conflict, justice and togetherness. With others, I have actively campaigned against lack of purpose, homelessness, ecological destruction, xenophobia, social exclusion and so on.

We have celebrated cultural...

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