No, I wouldn't but that's me. This is definitely hard, I like my T but I'd find a different T covered by insurance if I couldn't afford it (not that my T would ever offer stg like that) just because I know myself and I wouldn't be able to work through it. In my screwed up way o thinking I can't accept "favours".
I think you two need a longer discussion about that- you should have the same rights as her other clients- have sessions weekly, ask for ER session if needed, be treated with the same respect...