The insurances I looked at had so many restrictions and limitations. Some things were covered at a small percentage. Some things had a large deductable, others weren't covered at all. I've heard tons of horror stories about getting reimbursed, claims being denied etc. By the time you figure all that in along with the premiums, you might as well have just saved all that money in the bank.
I ended up getting mine on a wellness plan that I'm very happy with. I chose it because I think if you keep your pet well through prevention, you're less likely to have serious illnesses. (That's less likely but it still could happen.)
The following is some of the stuff paid 100%
by the plan my cats are on and with the comprehensive exams:
My cats get 2 comprehensive checkups a year.
All immunizations, deworming, nail clipping, anal exams.
Teeth cleaning once a year.
Sanitary shave/trim if needed.
Spay/Neuter (if not already done, of course!)
Flea treatment (if needed)
We also get free office visits if there is a concern.
Any treatment (for illness or accident, prescriptions etc.) is at 25% off (dependant on what plan is chosen but this is my plan).
Anyway... that is SOME of the advantages of the wellness plan. Some of the other insurance plans offered riders you paid extra for wellness stuff such as teeth cleaning etc. but they only paid part of it and your premium is higher. You can PM me if you want more information.
Oh yeah... and also after the first cat's premium, the second cats premium is 25% off!