Vets are scum worse then used car salesman and pet insurance is just part of the same scumbag industry. How to deal with a vet when they you give a stupid quote to save your dog, offer them $500 to $1000 cash to fix the problem if they refuse tell them you are going to shoot the dog in there parking lot. You will find out what type of vet they are right then and there.
Always look for a farm vet avoid all vets who bother treating cats these are words to live by.