We are eligible for PDSA vet services. We always pay as much as possible towards costs (e.g. if we just go for a consult, we donate their advertised 'cost' of these services, if we need further treatment, we donate as much as we can towards the cost).
I am wondering though, about insurance. We always used to have insurance. My concern is that if a pet needs treatment, then you insure, that treatment is excluded as a pre-existing condition. Which means that if our circumstances improved and we were no longer eligible for PDSA services, we would be left with some conditions that were excluded.