If you're in the UK Tesco Insurance has been good to us. We had a cat Jessy who got diabetes age 9 and we had to give her 2 shots a day for 8 yrs and we had to have her pts. We had no insurance then. Fast forward 2 yrs, we adopted a 3 yr old cat Raimy Ado from Romania. We've had her 7 1/2 yrs now. On Sept 20 found out she has kidney failure and we're lucky she's still with us but not much longer. We have insurance with her thank goodness. I will never have another pet without insurance!