I use Veterinary Pet Insurance.
www.petinsurance.com.
VPI will cover bills from any vet. You will need to pay all bills up front with your doctor. Have the Dr. complete their portion of the claim form then Fax or Mail in the claim with a copy of the medical bill.
It usually takes about 4-6 weeks until you receive a check or a letter explaining if the treatment is not covered.
I've only receive a decline 3 times but with a phone call, one was refiled and I did get my check. The other two times were declined because I exceeded the allowable return on that particular claim for Annual Physical & Preventative Dental Care.
Out side of that I usually get 40% to 60% back on the claims filed. I selected the premium package which includes vaccinations.
Costs depends on the age of the pet. Jewel (3 yrs) was $ 28.00 a month and Jazzie (8 yr) is $34.00. They also give multiple pet discount if you have insurance on more than one pet.
This plan only works if YOU FILE THE CLAIM.