What is a good but affordable pet insurance?

I have two cats and a dog. I'd love to get it for my dog but she is 16 with two pre-existing conditions so I'd only be able to get it for the cats. They're both boys, one is 3 and the other is 9, almost 10 months. I'd like to have flea/tick prevention covered as well. They're strictly indoor but I wanna be safer than sorry. I like being outdoors and I'm trying to get over my fear of bugs, but I'm genuinely terrified when it comes to parasites, ticks and fleas included. Plus the tick population is higher this year where I live due to the weather. I'm going to figure out another prevention method for my dog as well.

I was looking at Spot but in order to get flea/tick prevention it'd end up being like $70-80 a month, which I really can't afford right now. So what are some other good but not super expensive pet insurance plans?