I think it is a fairly reasonable question to ask if you are insured or not when considering appropriate tests. I know I may have thought twice in the past about having tests carried out on my first visit rather than wait a few days to see if the vets initial diagnosis has proved to be correct. Have you considered the training involved to become a vet, together with the overheads of running a practice, long hours etc? If you compare to a Doctor's salary for example, you will find vets are comparitively cheap. My own private health cover is substantially more than I pay for the dogs insurance, and I can get an appointment to see my vet the same day, which is more than can be said of our own health system. A vet is not a charity, and they have every right to be paid for their time.