none of our cats are insured, after the free period.
The most we've spent is £300 (approx) for the op & extensive after care & drugs for a mangled tail removal/repair.
Flea treatment etc costs a bomb, but that isn't covered!
I think £9 is pretty good in terms of cat insurance...
but could you spare that to put in a savings account just in case of one of them needed treatment?
If they're microchipped, then that company should help if they go missing, with posters, databases etc.
hth