Pet insurance is pretty basic, you're reimbursed after (not during) the time of service. The amount of the reimbursement varies depending on the company and the plan you choose. Most pet insurance plans reimburse you based on a fixed % of the vet bill and a few like VPI and Petpremium base their payouts on a benefits schedule which basically means they decide how much you get back, regardless of the actual vet bill. I'll include a few resources that I found helpful in comparing coverage and understanding the basics of pet insurance.
Is Pet Insurance Worth It? - BarkPost https://www.petinsuranceu.com/yorksh...pet-insurance/ 5 Things Your Pet Insurance Policy Should Cover