Pet insurance including dental

I would usually just save money instead of putting it into insurance because I need to insure my two cats who don't really get into much problems, but I am on benefits and can't have savings, so paying directly into an insurance company to have their care needs paid for if the time comes is the only solution

Does anyone have any recommendations for how I can navigate this?

I'm currently paying £97 a month for two cats with a £70 or £80 excess and a £15 a month flea treatment subscription. (He is allergic to advantage, I would have to pay £50 for a prescription to buy the one he uses online, unless you know any way to do that cheaper?)

Please help. I'm on benefits so I really can't keep paying this. It keeps going up each year and it's unaffordable now.