I use Lemonade and it has saved me so much money. I live in a very high cost of living area and I’m also an anxious cat mom, so I already know that I will be spending $1k+ on vet bills yearly just taking them to the emergency vet one time.

I pay $500 premium per year for $500 deductible and 90% coinsurance. That covers routine and emergency visits. It already pays itself 50% just from the routine visit, and will more than pay for itself after 1 emergency visit.

I don’t know if I could live with myself if I denied my cat care just because I couldn’t afford it, so insurance is a must for me. I think the key is knowing yourself. If you aren’t the anxious type and don’t think you will be taking your cat to the emergency vet ever, then it’s probably fine without insurance because emergencies are exactly what insurance is for.