vets are a total rip off when they find out youve got insurance, they just bump it up ,first question my old vet used to ask " is he insured ?" , money was what they were interested in not animal welfare , insurance is fine but most policies have a limit per condition so things can still be costly , there was a programme on tv a couple of years back where perfectly healthy animals were taken to different surgeries and allsorts was diagnosed very few declared the animal fit, been there seen it done it bought the t-shirt