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[dvo]

would you believe both my cats are ill now and i am facing huge worry and anxiety and huge vet bills
one has a tumour on her face 
and the other has gone really thin 
i'm gutted

[Mercury]

The PDSA have a pet insurance plan, it seems fairly reasonable and 20% of the premium goes directly to their charity http://www.pdsa.org.uk/petinsurance.html

A couple of friends use them and say they have worked out cheaper than the well known pet insurances.

[dvo]

but 12 year olds are too old to insure right?

[Mercury]

Some policies will insure older animals, it tends to be pricier and, yes, there are "cut off" ages but that varies company to company.