I have 2 new kittens, Monte and July :) Looking for advice on pet insurance [View all]

Are there any pet insurance companies that you don't have to pay everything up front and then haggle with them for reimbursement later?

I'm concerned because if one of them has an accident and needs help right away that would include surgery or something like that. I don't want cash on hand to become the difference between life and death.




Left is Monte (really big for 5 months) and July is 3 months. This was taken just hours after they met for the first time