I must admit to scanning through the small print on my exotic direct policy and I am sure there was was something on there about having to have an annual check -up - i took all 7 of mine in in 2 batches the other week and was charged £17.50 for 3 of them to be thoroughly checked over and weighed (the price of a consult for 1 ) and was charged a 1.5 of a small animal consult fee for the other 4 by one of the partners of the practice,so coming in at £23 pound - so basically all 7 weighed and checked over for lumps,teeth bladders felt for gravelly sludge etc all for £40.I wouldnt take the risk of not insuring my car,and I dont expect money back from my car insureres if I dont have a claim - so I look at it as the same with the piggies - while I could affored a small bill I couldnt affored something running into a couple of hundred,and wouldnt want to have a pet put to sleep just because of a lack of funds