When it comes to most pet insurance companies, they offer a reimbursement program to you after you have already paid your veterinarian. This reimbursement will depend on the type of plan that you have chosen for your pets. Most of the pet insurance companies will let you use your local veterinarian, usually letting you choose from a large list and adding yours if he/she is not already on the roster.
As far as your coverage plan goes, many of them will cover a wide variety of medications and prescriptions as well as various conditions and illnesses. Often times, there is not even an initial medical examination necessary for coverage approval unless your pet is over ten years of age. A list of most things that are covered by usual pet insurance companies include surgeries, hospitalization, x-rays and MRIs, accidents, vaccinations and even spaying or neutering. When you look at this impressive list and take into consideration that you could get coverage for your Bichon Frise for much more than this, you can see just how amazing and valuable such pet medical insurance can be.
As always, it is best to consult your veterinarian first!