Open a separate Saving Account at the bank and put $20 a month in it. When the cat needs Medical Coverage you draw from this account. Food and Toys are not covered under the Medical Insurance. Only office visits, medicine/shots and surgery.
I have it for both of Mine. GREAT thing to have. You should def. look into it. I Pay 25$ a month for Both cats , an at the Vet , I usually dont have to pay anything !!