Pet needing a vet ringed? I say! (4,3,3)

Guardian Cryptic #29146 | 14 Down | 2023-08-11
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I haven't cracked this one yet — but the brilliant team at Fifteensquared have:

I’m not sure of this: is it ILL (needing a vet) in (a) BAND (i.e.’ringed’)? + COO (I say!)?

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