Lina, pet insurance can save you tons of money but it can be a giant waste of money too depending on which provider you choose and which plan you choose from that provider. As long as the level of coverage you get matches the level of care you think your cat needs then you should be fine.
There are 2 types of pet insurance with different reimbursements: reimbursements, which pay you a percentage of your vet bill or benefit schedule payments which are predetermined amounts paid out according to a set benefit schedule. Percentage-based plans generally let you choose between 70 to 100 percent of the bill to be reimbursed. Set benefit schedules give you a set amount for each condition, regardless of how much you actually paid. From what I’ve read online people who get benefit schedule plans from companies like VPI/Nationwide and PetPremium are unhappy because nearly nothing is approved and the things that are covered are subject to painfully low payouts.
Do your homework and speak to other pet owners and if possible other owners of your specific breed of cat to get a heads up on genetic health risks.
I’ll drop some resources into my comment that my vet recommended and maybe they can help in picking a proper pet insurance company/plan too. Also, random question but are you the same person as LinaM23 on the cat site forum? Pet Insurance: Is It Helpful or a Drain on Your Bank Account? https://www.petinsuranceu.com/cat-insurance/