Also do you have a Petsmart by you? You can get insurance there which will cover her shots. I have it for Amelia and Helen. It's $33 a month per cat and it covers everything preventative. IDK if it would cover spaying though. It covers two comprehensive checkups a year and it covers as much times as I want to take them to the vet. It might be cheaper in the long run to have a recurring bill than to have to pay out of pocket for shots and stuff. The one through Banfield (Petsmart) is a wellness plan. So then I got pet insurance through a company called ASPCA Pet insurance. It costs me $56 for both cats and it covers if they get hurt, sick, or injured. I think its worth it because I didn't have that insurance on Esther and I was paying out the wazoo every time I had to take her to the vet for her diabetes. Even the medication and food would have been covered under the sickness/injury plan.