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"there may be subtle differences (between animals and humans) that we don't know about," klein said.
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![](/timesofindia.indiatimes.com/toiitpic/11534/images/9/db8308e9931223fe435b46abad4eabfe_1484908789687_0.jpg)
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .