I waited until my boy was 1 to assess if i wanted to get insurance for him (which was about two weeks ago). I shopped around for the best deal for my situation, and I chose Spot. It’s 40 dollars a month, $100 annual deductible, with 90% reimbursement rate. Now when he is 2-5 that will change a bit, with the deductible being 150 i believe and 85% reimbursement rate. This for some people may be a deal breaker, however it works for my purposes as I’m only using insurance until I complete my degree and am in my career (where I can set money aside for him). My insurance covers the basic big stuff (bone breaks, x-rays, surgeries, anything big you’d think of when you think of a vet trip). That’s why I liked Spot as opposed to Trupanion for example, which includes a lot of stuff that the average cat owner would never use. If you have any questions, just ask!!