I have always had a cat (well three – in succession over the last 30 years). I’ve never bothered with insurance, but do have them micro chipped. Guess I’ve been lucky, one (Frank) was hit by a car, but there were no bones broken so the bill wasn’t too high. Another (Millie) went missing for three months before a local cat sanctuary read her chip and returned her to me. Apart from that my only vet visits have been for old age stuff and neutering (I don’t even get the yearly jabs).
But I live in a very rural area (cat leukemia is worse with high populations) and have always had strays / moggys that have landed on my door step some how. I am also of the opinion that I wouldn’t go down the route of ‘thousands of pounds of vets bills’ as the associated upset for the cat wouldn’t be fair… However I might just be a grumpy misery…
I have recently got another dog (losing my old mongrel last Christmas) and have to admit that I am considering insurance for her… not sure why , maybe I’m just getting older and more cautious. Over the last 30 years of three cats and two dogs I must have saved a fortune on insurance though 😕