best pet insurance for a dog and cat, completely lost

i have a golden retriever puppy and a tabby cat and i need to sort insurance for both of them. been googling for like 3 days straight and i genuinely feel more confused than when i started

looked at lemonade, pets best, odie, aspca, spot and healthy paws so far

does anyone actually use any of these or know someone who does. not looking for a breakdown just want to know if claims actually got paid when something happened

golden retrievers can get expensive as they get older so that's my main worry tbh. cat has had some stomach stuff before so i'm guessing that's going to be a problem with whatever i pick

also does it matter that much which one you go with or is it mostly the same?