If you're still trying to fully comprehend the differences between Digital and Drawn covers, here's an example using a Fanfiction I'm currently working on! 

FANFICTION DIGITAL COVER

For the most part, this is a shot of a character I grabbed from Pinterest and added some artistic filter to with the title and my Wattpad username. This particular cover took me almost less than 10 minutes to make and would cost $5.

FANFICTION DRAWN COVER

This entire cover is digitally drawn (with the exception of the actual text). The character doesn't actually look precisely like his original design, but it's done in my art style and is still recognizable as Kokichi Oma from Danganronpa v3. This cover took almost 3 days to make, so the cost would be $25.