Yes, do your research. find a comparison chart of all the insurances available. I have a link to a comparison list but it's for insurances in the USA.

Many insurances have pre exisiting clauses, and they will nit pick to the death. For instance if your cat was brought in for a cough once, they will see that and refuse you.

I know one who paid premiums on their kitty for years and years. Their cat got cancer, and for the first three months the bills were covered. When it was time for the policy to roll over, they were denied coverage because the cancer was now considered a "pre exisiting". So all those years of premiums went to nothing.

I know more and more people are buying these insurances. Just keep in mind that insurance companies are not out to save anyone money, they are out to MAKE money.

I prefer to keep my money. One option is to just save the money you would spend on monthly premiums, in a special account. Then if you get an unexpected vet bill, the money is there.

If possible, also, open a credit card account, but do not use it for anything but vet bill emergencies.