I adopted a cat almost 3 months ago and I went with the insurance company that the shelter dealt with...
I pay $13.95 a month. The only reason why I got the insurance was because my cat was sick when I adopted her and so I chose the insurance for a "just in case" type of thing.
The insurance covers certain illnesses, accidents, and accidental death.
There is a $75 deductible for illnesses and/or accidents. The Maximum Coverage amounts for each illness/accidental incidents are pretty reasonable.
I just got the paperwork not too long ago so I'm not that much familiar with the coverage. It seems decent though....
The insurance program is called PetCare Insurance. It may just be a local New York State insurance company though.