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If you have recently welcomed a kitten into your home, then you’ll want to do everything you can to ensure it has a happy and healthy future. Regular vet visits are a big part of this and while routine things like vaccinations and grooming aren’t typically too expensive, any health conditions or emergencies that require treatment can become expensive very quickly.

It’s for this reason that so many people who have a kitten choose to take out insurance. Some of the main benefits of getting kitten insurance are:

• The best treatment for your kitten
• Plans to suit all budgets
• Flexible payment methods
• Easy to get quotes

A guide to kitten insurance

In this guide we’ll be looking at various aspects of getting a kitten insured, including the types of policies that are available, the things that affect the price of kitten insurance, things that aren’t usually covered and the best ways to save money.

If you want to get quotes for kitten insurance now, then simply click the green button. Otherwise, read on for more information.

How much does kitten insurance cost?

he cost of kitten insurance varies depending on a few key things. The mains one are:

• Age – The earlier you take out a policy for your kitten, the cheaper it’s likely to be. Most insurance providers will offer you cover for your kitten from six weeks onwards and getting it earlier rather than later will certainly save you money.
• Type of policy – The main types of policies you can get for kitten insurance are detailed below. As you would expect, the fewer things that are covered on the policy, the cheaper it will be.
• Breed – The breed of your kitten will also be taken into account. Breeds that are more susceptible to developing health problems will cost more to insure.
• Living conditions – If your kitten will be kept indoors and not allowed outside, then it will be much less likely to be involved in accidents such as being hit by a car or attacked by other animals. As a result, the price you pay for insurance will be lower.
• Insurance provider – The insurance provider you get your policy from will of course impact the price you pay too. Insurance providers have different ways of assessing risk, so the price you’re offered for the same type of policy can vary quite a bit.

What types of policies are there?

There are three main types of kitten insurance policies you can choose from. These are:

• Lifetime insurance – A lifetime insurance policy will cover your kitten all through its life, provided you continue to renew the policy. Many people opt to get lifetime insurance for their cats while they’re still kittens because this is when it’s cheapest.
• Annual insurance – An annual cat insurance policy will need to be renewed each year and any conditions that develop between renewals will be reflected in the price.
• Accident only – An accident only cat insurance policy will not provide any cover for health conditions but only for treatment that’s directly related to accidents. This type of cover is the least expensive but only provides minimal protection.

What is typically covered?

The things that are typically covered in most kitten insurance policies are:

• Medical treatment for newly diagnosed health conditions – If your cat develops any health conditions that require treatment, then they should be covered by your insurance. It’s important to check with your provider if there’s any limit on the amount that can be claimed for a particular condition.
• Medical treatment for accidents – If your kitten is injured as a result of an accident, then the costs towards the necessary medical treatment should also be covered by your insurance.
• Some pre-existing medical conditions – If you take out a policy for a kitten with pre-existing conditions, they may also be covered by your insurance but you’ll usually have to pay more.

Are there any exclusions?

Most medical conditions and emergency treatment is covered under kitten insurance but there are a number of things that aren’t typically covered. These include:

• Vaccines
• Boosters
• Grooming
• Claw clipping
• Worm and flea treatment
• Neutering/spaying

Is dental treatment covered?

Cats can quite easily develop problems with their teeth, particularly if they’re allowed to have cat milk or cream that contains sugar. If your cat needed to have teeth extracted or for them to be cleaned, it usually wouldn’t be covered under a kitten insurance policy as standard. You may be able to have it added as an extra option with some providers however.

Dental treatment that’s required due to an accident is more likely to be included in most standard policies but you should still check if this is the case when you’re comparing quotes.

Saving money on kitten insurance

Some great ways to save money on kitten insurance include:

• Keep your kitten indoors – One way to save money on your insurance is to keep your kitten indoors. House cats are much less likely to be involved in accidents and suffer injuries, so this can help to lower the cost of your premium.
• Have your kitten neutered or spayed – This is another step you can take that will reduce what you pay with some providers.
• Get your kitten microchipped – If your kitten isn’t already microchipped, it’s definitely a good idea to have it done. It will not only make it much easier to track down your cat if it’s lost or stolen but can also lower the cost of your insurance.
• Increase excess – Another way to lower the cost of your insurance is by increasing the excess on the policy. The excess is simply what you would contribute towards a claim if you had to make one.
• Get multiple quotes – You should always get quotes from more than one provider when looking for cat insurance. It will enable you to easily compare them next to each other and pick the one that’s the best value for money.

In summary: Buying kitten insurance

Owning a cat can come with a fair bit of expense and getting insurance may seem like it’s unnecessary if you have a young and healthy kitten. However health issues and accidents can occur at any time and the treatment required can soon add up if you don’t have cover in place.

Getting insurance for your cat is never cheaper than when they’re still a kitten and provided you shop around, you should absolutely be able to find cover at a very competitive rate.

Get kitten insurance quotes now!

If you want to get kitten insurance quotes from a panel of expert providers, you’re in the right place. Simply click the green button and you can have your quotes in a matter of minutes!

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