I recommend finding a Banfield Pet Hospital in your area (they are usually inside a Petsmart, you can find locations at Banfield.net). They have something called Optimum Wellness Plans that cover certain services (there are four levels of plans) with a low monthly fee. I think the lowest plan for a dog is $16.95 a month, the highest is $35.95 a month. There is a one-time sign-up fee of $69.95 per pet, but after the first one the others get a discount (15%?) off the sign-up fee. Office visits are free under the plan, as are routine shots and, if you get the more inclusive plans, so are other things like bloodwork and x-rays. Their invoices are fun, they show you how much you've saved that visit and to-date. We had two dogs and two cats, and in one year saved over $1400 by having all four animals on the wellness plans. We see the Banfield in Schaumburg off Golf Road, but there are probably more that are closer to you.