I had Veterinary Pet Insurance and the way it worked was that I fronted the bill and they then reimbursed a certain amount.

Very much worth it as far as shots and care.

My dog got kennel cough from the groomers, and she became very ill and they helped pay about 50% of it. It cost usually around $16 a month and usually isnt much more than that.

They will ask a a clean bill of health before they get approved.