I'm not sure if you're talking about pet insurance or Banfields puppy plan. I don't believe Pet Insurance covers any of the routine things like shots and checkups. That is all out of pocket if I remember correctly.
If you go to the vet in PetSmart, Banfield, you can choose a puppy plan that includes all shots and vet visits. There are different levels of plans that includes different things. You pay a down payment (mine was 165.00) and then a monthly payment (mine was 20.00). This includes all shots, a few wormings, all vet visits, etc. It's really great to get started with and I definitely suggest it!