im lucky my vet is cheap, prices in uk must be mental, had a dog hit by a car she had no visible injurys and was given steroids, antibiotics and painkillers and it was a sat or sunday night 25euro
another time had a beast with fractured skull; stitches, steroids, painkillers, antibiotics 35euro
for what it costs me to have my animals treated by the vet it aint worth my while insureing them