Pet insurance, help?!?

Please help I am trying to apply VPI pet insurance, but I'm not sure if it's the right choice. This is my first ever applying for pet insurance so I have a few questions: As soon as I apply for the pet insurance, will the insurance cover any emergencies or check-ups on the same week I applied? Is it better to get a high or low deductible? Is pet insurance payed annually or monthly? Will it end up being more expensive to pay for insurance monthly/yearly or a once in a lifetime say 2,000$ bill? help please?

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