Where abouts are you from?
I know i live within distance of two reptile vets, one is horrible and i would never take a lizard there - even though its recommended, but the other is very good. Try ringing the local animal hospital, they should be able to tell you where to go.
As for pet insurance, i never got any, i just make sure there is an emergency fund for such occasions. There is only one company i know of, and its £10 a month. I f i just put that away, it covers all the bills and more (there arnt too many bills and they havent been expensive at all)