I have VPI insurance (www.petinsurance.com
). For 23$ a month I get all off Annabelle's routine care covered (her shots, etc) plus surgeries, etc. You pay up front for the cost at any vet and they reimburse you. My last claim was reimbursed in less than two weeks. They don't cover pre-existing conditions. The routine care does include neuter/spay and teeth cleaning. If you don't get the routine care coverage the cost is only about $12 a month. I got it because one of my cats got very sick and the vet thought she might need surgery, which I knew there was no way I could pay off. She ended up not needing surgery, but did pass away from Leukemia. I didn't want to risk my other cat losing her life because I couldn't afford to pay off the credit card bill, so I signed her up. So far everything has worked great. I just signed my kitten up for it- they give a multipet discount.
The deductable is $50 per incident (it doesnt apply for regular vet visits or routine care visits, only things like surgery). It covers a max of $4,500 per incident and $14,000 per policy term.
There was an earlier discussion on this here- http://www.thecatsite.com/forums/sho...=pet+insurance
I hope that helps!
edit- all of my kitties were strays as well.