Pet insurance in Quebec

Hi! I live in Montreal alone with a 2 year old birman/ragdoll mix (who has had urinary tract infection with crystals in bladder + eye ulcer) and a 1.5 yo mini dachshund.

I hear mixed things about pet insurance as it has a lot of exclusions. I did a research on pet insuranfAs I have two pets, I’m expecting to pay at least 150$ for both of them, they are young, so I’m not sure if I should just put the money aside.

Thank you!