[QuickSilver]

In terms of your specific issue with the vet, you should be able to train her to accept handling without treats.

All you need to do is wait until she is relaxed during a belly rub, and slowly start touching her everywhere. Touch her paw, praise her, rub her belly. Touch her ears, praise her, rub her belly. Go slow - the key is to teach her that touching is not scary. Touch her everywhere on her body - open her mouth, tug her ears, hold her paws, move her tail, etc. Practice this every day for a few months, and you should see a huge transformation.

If you want to get really sophisticated with it, you can teach her the names of her body parts, and then when you take her to the vet, you can tell her what's coming next. I haven't gone this far, but it's supposed to help animals by making the examination feel less like random poking and prodding.