Kiki looks adorable
Re your questions:
There is no need for a puppy to be vaccinated by or even at 8 weeks of age as long as you can keep her safe when taking her out and about to socialise her. Carrying her in a puppy sling or taking her around in a pet buggy (especially the latter) means she can be protected from contact with potential disease while still being exposed to the sights and sounds of the outside world. She can still play outside in your own garden and meet other dogs as long as you know that they are healthy and not likely to be harbouring disease or parasites. We wait until at least 12 weeks of age before having our pups vaccinated as, by that age, most will no longer have maternal antibodies to the diseases that are vaccinated against and therefore will gain immunity from a single shot. A titre test six to eight weeks later will confirm whether the puppy has immunity and, if so, they should be covered for the next three years at least- a titre test at that point should confirm whether re-vaccination is actually needed. Our vet recently titre tested our new puppy at 18 weeks following a vaccination with DHP at 12 weeks and she had a good positive score so the vet said it would not be until 2021 that she needed testing again.
The reason puppies are often given repeated vaccines is to try and make sure that the vaccine is not cancelled out by maternal antibodies, not because they actually need repeated doses. A single vaccine shot can immunise but only if the puppy's immune system is able to respond and not compromised by illness, stress, or maternal antibodies (MDA) and the latter can last for anything from about six weeks up to 14 or even 16 weeks in a few cases, although in most pups the MDA will have waned sufficiently by 12 weeks to pose no problem to the vaccine working.
It is actually a myth that any puppy needs to start a course of vaccines again if they have had a vaccine from the breeder but, as so many vets seem unaware of the WSAVA advice regarding this, you will find many who still promote this so you are definitely better not having her vaccinated before you take her from the breeder.
As regards the vet surgery payment scheme, I would have a really good look at this before signing up, even for the first year to ensure that you are not paying out for unnecessary products or services.
Your puppy will definitely be microchipped before you take her as it is illegal in the UK to sell or rehome a puppy without it being microchipped and the microchip details will be those of the breeder who should supply you with the paperwork or details to change the microchip database information to your name and address. So any figure for microchipping at the vet is irrelevant and will not be needed.
Worm and flea treatments are not necessarily needed if your puppy does not have fleas or worms. Our vet does not promote any flea treatments on a "just in case" basis as well fed and cared for puppies and dogs rarely get fleas and can be treated effectively if they do. Our vet also encourages the use of faecal worm testing in puppies / dogs after the age of 12 weeks so as not to give unnecessary treatments if the pup/dog does not have a worm problem but can also identify an issue if there is one developing. You can buy worm count test kits yourself for a reasonable cost which will almost certainly be less than the payment at the vets.
Check whether the vaccination component covers the initial course and, if not, you need to wonder what they are charging for as if your puppy has confirmed immunity from her initial vaccinations, she will be covered for three years anyway. Find out what the cost of vaccination is and this will help you to work out if the scheme is financially useful.
"Discounts on services" seem to me to be on those which you are unlikely to need in the first year - dentistry on a puppy should be a rare occurrence I would have thought and nail clipping should be something you can be doing yourself. The food component will be a discount on whatever single brand of food the surgery sells in all likelihood and the reason they stock the brand is because they are financially rewarded by the manufacturer for promoting it to their clients. Many vet surgeries are now controlled by business people who are looking for a profitable return on their investments leaving the vets to carry out the actual surgery and medical side of things and making money on the non-essentials through payment plans and pet clubs. You need to be sure that you retain control of decision making regarding your puppy in terms of nutrition and any non-essential treatments such as anti-parasitics and not be manipulated into a situation where you feel you need to recover the costs you have paid out by buying things you actually don't want or need for your puppy.
Good luck - and I look forward to seeing more photos of Kiki once you have her home with you
