Andyvon, Remember vet has many overheads, they have to pay for their premises, their staff, electricity, vehicles for getting to and from farms, equine premises, drugs, courses, cleaners etc etc, they do not get anywhere near 100% of what they charge, and most certainly DO NOT bump up their costs for people in distress. The elderly and anyone else on benifits can use the PDSA and make a donation if they want or can afford it, but they do not have to. Also the PDSA is staffed in the main by volunteer vets.
Insurance is not that expensive for those who can be bothered to shop around, I insure my 4 horses for just under £18.00 per month, and my two dogs for £6.00pcm,. I understand that some cannot afford this, but this is not the Vets fault.
I have always found that, if one of the horses needs a vet they come out at the drop of a hat, on Bank hollidays, weekends and in the middle of the night etc, where else do you get this service, certainly not your Dentist, and how much do they charge?