My vet charges ~ $45 for a visit/ consultation, with shots being ~$100 for a whole years worth (standard adult 3-way and rabies). Bloodwork tends to be the most expensive thing that I've run into so far at ~$150 for a basic panel.
The pet insurance that I use it "pet care" and the plan I use is $14.95 a month. It is the next-to-lowest option they offer and is very restrictive in terms of what it will cover. But, it will pay $2,000 per incident in the areas it covers and allows for 2 "first-time illnesses" with payment up to $1,000 for those per year.
Below is a link to the plan they are offering now that is closest to what I have on my cat Toby:http://www.petcareinsurance.com/us/c...nce-qcplus.asp
It does not cover regular vet visits, vaccinations, spay/neuter, worming, flea and tick meds, etc. It also does not cover "pre-existing conditions". It also has restrictions in terms of specific breed-associated illnesses. i.e. it will not cover eye or breathing issues in persions. There are other restrictions that I can't think of at the moment.
It does have a $100 allowance for lost/stolen and death/cremation.
The deductable is low, $50 for some things and $100 for others.
The really negative thing about it (but this is true for all US policies that I know of) is that you still have to pay the costs out-of-pocket and then the company refunds you. It would be much better IMO, if they could bill the insurance directly.