Personnaly no way. Most cats live around 15 yrs my last cat was 21 when it passed away. And most of those health ins wont pay for crap
It is super expensive to get pet insurance. A friend of mine had it for a month for his two dogs, and ended up getting rid of it.
That depends ... What would you choose to do, if your pet needed expensive surgery? Would you opt for the less expensive option of euthanasia? Or could you afford to pay for the more expensive surgery?
Pet insurance is the same as any other insurance. You have to read it carefully, and think about "what *could* happen" ... Before you decide whether you "need" it or not.