I hear what you are saying about what vets charge and about insurance premium goes up the older your dog gets that's why I shop around every year when it comes to an end the older bitch broke her baby upper canine when she was a pup she was at the vets for her first jab junior vet giving jab saw it got in a flap saying she needs to go to have it removed I refused saying it would be dropping out in a couple more weeks she tried to dictate to me about this and that she was young enough to be my daughter a know it now't but the reason I insure them is I don't have a fortune and the older bitch c