What do you have as your deductible and your % of coverage once the deductible is met, and how do you decide?

I have 2 cats who are young (2 and 3 years old) and they’re fully indoors and rarely need to go to the vet. But one of them somehow got an ear infection and it caused him to need a ton of tests done because they couldn’t figure out if there was more going on, and the vet bill was $700 😫

Now I’m realizing we NEED to get insurance for if/when something like this happens again. My insurance lets you choose the deductible ($200,$300,$500, etc) and the % covered after that (70%,80%, or 90%).

Of course the monthly payment is more expensive with lower deductible and higher percentage. I’m just trying to figure out how to decide what we need 😕