There are different policies at different levels of pricing, if you are going for the cheaper ones, it is probably not worth it as they cover very little. However, I saved a lot of money by having it when Scully was sick, more than all the premiums I had paid on him and the other cats
Read each carefully ... some pay to the vet others you send the check and they send you a check... does the cat have any preexisting issues??
For me decent coverage for two would be 100 a month well I would rather put that in the bank... but some cover routine things shots , annuals and may be worth it