When platinum is cheaper than gold, the ratio drops below one. When platinum is more expensive than gold, the ratio rises above one. Historically, the platinum-to-gold ratio tends to stay above one most of the time, which implies that platinum sells at a higher price than gold.
The average annual premium paid for pet insurance by UK cat owners is Â£205 - equating to just over Â£17 per month (source: Key Note). But you might pay much more or much less than this, depending on 3 key factors that influence the cost.
Veterinary insurance can mitigate these costs somewhat. Lacking that, I would recommend setting aside money every month for a vet emergency fund (I would suggest a bare minimum of $10/week), or getting a $1,000 - $2,000 credit card and putting in away in a drawer, to be earmarked for cat emergencies only.