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No you don't.

http://www.macincloud.com works very well, and they have billing by the hour and versions of OS X ranging from Lion through to El Capitan.

No connection with them, just a satisfied customer.

A much cheaper way is to get it tested from freelancers on Upwork/Elance who have OSX!

Sometimes you need to see the issue first hand.

I mean, if you want to test Windows, spin up a VM or VPS on any number of providers. But that's not really what we're talking about here.