Cat Insurance... what's the deal?

Hi, just looking for ideas of what insurance for my cat would cost per month for a healthy almost 4 year old male. Want to know roughly what people pay, what it entails, who’s the best to go to for this kinda thing company wise. Gimme alllllll the tea. The good, bad, and the ugly I want all the information people can give so I can make an informed decision to be responsible with my cat. I’ve never had to have a cat get insurance before so this is all very new and confusing. Thank you.

I just adopted two little guys and the vet recommended to just get coverage for accidents/emergencies. She also recommended Pets Best so I ended up going with them after doing some research. Lemonade was my second choice and it does sound like they reimburse you faster. Trupanion might be good for some if your vet clinic accepts direct pay from them, but mine does not so it wasn’t worth the extra $$ imo. I’m paying $60ish/mo for my two cats. I also got to choose the deductible and the amount the insurance covers (I chose $200 deductible, 90% coverage), so that was nice.

@Teo
Wow that’s really nice. I’ll look into those 3 companies you recommended and thank you for your response it was so insightful and answered a lot of my questions and gave me a place to start. I love cats and I just want the best for my baby no matter what. How does the deductible part work? I’ve never understood that lol. Like if they paid 90% of the vet bills you would only be responsible for $200 of it or am I lost in the woods with how incorrect I am on how I think this works? lol I’m sure they’d explain it but they wouldn’t use layman’s terms.

@Lennon
The deductible is how much you have to pay out of pocket before your insurance will kick in and pay a portion. I’m paying a little bit more for insurance per month with a lower deductible but to me that’s worth it. You could choose let’s say a $500 deductible and pay less for insurance per month, but that means you’ll need to cover $500 before your insurance will start to pay. I’m bad at math but let’s say you have a $500 deductible and 90% coverage and you get a $1500 vet bill. You pay $500 and then the insurance company will pay 90% of the remaining $1000 which would be $900. You would end up paying $600 of the $1500 bill. With a $200 deductible, you would end up paying $200 + $130 ($330) of the $1500 bill. A lower deductible will cost you more monthly but result in lower payments for you in the event of an emergency.