Hi
We decided to take out pet insurance as Izzy will be 9 yrs this october and we didn't want to fall foul of huge vet bills.
We were insured for 1 month with Petplan as it was free but had anything happened we would have had to pay £70 or £80 pounds excess which I thought excessive unless it was something major.
However we were advised to use M&S pet insurance as its just as good if not better than the Petplan. Its very easy as you could get a instant cost on line by filling in the details and I believe they are very good at paying out quickly.
I personally think its well worth the cost of insuring your cat just in case anything nasty happens as vet bills can be very expensive......although if your cat is a house cat the risks are reduced somewhat and of course it depends on the age of your cat.
Good luck but give Marks & Spencers a try as you have nothing to lose.