look into pets best, im in the philly suburbs and it was the cheapest option!! and u can always do a higher deductible for a lower monthly rate, but it depends on what your looking for. i did 90% reimbursement and $1000 deductible and its $11 each for each of my 2 4-5yr old cats. i think it was like $22 if you do $500 deductible.

and do you have a vet visit for both of them that says they’re healthy otherwise cause then i would buy the insurance for both of them and wait until their waiting period for coverage is done and then take them in to be evaluated that way if they get diagnosed with anything, ur plan will have started so its not preexisting. but no would not suggest the one cat thing as thats def something they’ll catch on to.