I'll second the Hep A being covered by insurance, at least mine was. I got one (at Walgreens) before traveling to Ecuador and Peru this summer, and will get the second this fall for lifetime coverage.
Typhoid, OTOH, was not covered. I paid a little extra for the shot over pills because a) once and done, and b) my doc said the pills have a good chance of causing stomach upset, etc. Not on my list of fun things to do.
Yellow fever and malaria were not on the CDC recommended list for the areas we traveled (Galapagos, Quito, Cuzco, and Machu Picchu) so we didn't get them.
Bottled water was indeed everywhere, and cheap.