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Best Kitten Insurance Comparison Made Easy!

Getting a new kitten is fun because they are cute, curious, and always up for a game. But along with the happiness comes the duty to keep an eye on their health. That’s where kitten insurance can really help. It pays for unexpected vet bills, so if your kitten gets sick or hurt, you don’t have to worry about the money. As long as you don’t have to worry about big bills, you can enjoy your time with your new pet.

How much does kitten insurance cost in the UK?

Kitten insurance in the UK starts at around £2.82 per month. However, comprehensive plans can reach up to £10 per month​

In addition to this, the actual cost of insuring your little bud depends on the following factors:

  •  Coverage Level: Lifetime plans are comprehensive and more expensive than accident-only policies.
  • Deductible: In case of higher deductibles, you will have to pay lower monthly premiums.
  • Reimbursement Level: Plans that offer higher reimbursement percentages may have higher premiums.
  • Annual Limit: Plans with higher annual coverage limits are generally more expensive.
  • Breed: Some breeds with genetic predispositions to health issues may be more expensive to insure.
  • Age: Younger kittens typically cost less to insure than older cats.
  • Location: Insurance costs can vary based on the cost of veterinary care in your area.

The general view is that kitten policies are still lower than older cat insurance.

How does kitten insurance work?

pet kitten playing with toysKitten pet insurance works just like other types of insurance. First, you choose a policy based on the coverage you want, pay a monthly or annual premium, and in return, your kitten will get financial protection against specified health issues.

Most policies include a deductible, the amount you pay out-of-pocket for veterinary services before your insurance begins to pay. After meeting the deductible, your insurance will cover a certain percentage of the costs, as defined in your policy.

What are the main health issues for kittens?

Kittens can face several health issues that require attention and care. The main health concerns include:

Respiratory Infections:

Common in young kittens, especially those from shelters or breeders. Symptoms include sneezing, coughing, and nasal discharge. Viruses like feline herpesvirus or calicivirus can cause these infections.

Parasites:

Internal parasites such as roundworms, hookworms, and tapeworms can affect kittens. External parasites like fleas and ticks are also common. Kittens need deworming and flea control regularly.

Gastrointestinal Issues:

Dietary changes, infections, or parasites in kittens can cause diarrhoea and vomiting. In case of these persistent issues, consult your vet to prevent dehydration and malnutrition.

Feline Panleukopenia (Feline Distemper):

It’s a severe viral infection that causes lethargy, fever, vomiting, and diarrhoea. However, it could be prevented with on-time vaccination.

Feline Leukemia Virus (FeLV):

This virus weakens the cat’s immune system and can cause secondary infections, anaemia, and cancers.

Dental Issues:

Dental disease can start early with the build-up of plaque and tartar. No owner wants to see gingivitis and tooth loss in his pet.

Congenital Defects:

Some kittens may be born with congenital defects. They may affect their heart, kidneys, or other major organs. Early veterinary exams can diagnose and treat these issues on time.

Nutritional Deficiencies:

Kittens are in their rapidly growing phase so a proper nutritional diet is crucial. Nutritional deficiencies result in weaker bones and several other health issues.

What is the best pet insurance for your kitten?

Choosing the right type depends on what kind of coverage you’re looking for and how much you’re willing to spend. Think about your kitten’s specific needs and your financial situation to make the best choice.

When reviewing kitten insurance plans, you have four main types to consider:

Accident-Only:

Accident-only is the most basic category of cat insurance. It protects from accidents, like broken bones. Cuts, or eating a foreign object. Although it doesn’t cover any illnesses, it is budget-friendly for your pocket.

Time-Limited:

This policy covers both accidents and illnesses for a limited time. In most cases, that set period is usually 12 months. After that, you’ll have to pay the complete medical bill if your kitten still needs treatment for the same issue.

Maximum Benefit:

In maximum benefit, you will get a fixed amount for each illness or injury throughout your cat’s life. If you’ve already claimed the maximum amount for one condition, you won’t get more finances for that condition. However, you can still claim for other conditions until their limits are met.

Lifetime:

This is the most comprehensive and covers accidents and illnesses up to a certain limit. This limit resets annually, so it can cover ongoing or recurring issues throughout your kitten’s life. Lifetime insurance for the kittens is the most expensive option and renews each year.

What is covered in kitten insurance?

Every pet insurance company has its own rules on what’s covered in the policy. Here’s a concise overview of what is typically covered:

  • Accidents and Illnesses: Accidental injuries are usually covered in all of the policies. In addition to this, cat insurance also covers illnesses except the accident-only policy. However, the extent of coverage depends on the type of insurance you hold.
  • Diagnostic Tests: Diagnostics, like blood tests, X-rays, and ultrasounds, are often covered. These are needed to find conditions and are important for planning the right treatment.
  • Surgery and Hospitalization: Kittens usually have their surgical procedures and post-operative care covered under insurance.
  • Prescription Medications: The vet may give medications to treat a kitten’s health issues. Insurers pay for the cost of these prescription drugs if added to the policy.
  • Emergency Care: Kittens are mischievous so they may suddenly fall ill or get themselves injured. Cat insurance for kittens helps cover the finances for emergency pet care.
  • Advertisement and Reward: If your curious kitten goes missing, the insurance covers advertising costs to help you rally the community and offer a reward for finding it.
  • Cattery Fees: If the owner needs to be hospitalized, kitten insurance will cover the fees to babysit your cat in your absence.
  • Death and Burial costs: In the heart-breaking event of your kitten’s passing, the insurance provides for respectful death and burial arrangements.
  • Travel Insurance: If your kitten falls ill while you’re travelling, the insurance steps in to cover medical expenses.

What is not covered in kitten insurance?

Kitten insurance covers a wide range of medical expenses, but owners should be mindful of several important exclusions.

  1. Pre-existing Conditions
  2. Young kittens under four weeks old
  3. Routine and Preventive Care
  4. Cosmetic Procedures like declawing and tail docking
  5. Breeding, pregnancy, or delivery costs.
  6. Behavioural Issues like anxiety or aggressiveness.
  7. Non-Veterinary Expenses
  8. Illnesses that develop within 14 days of taking out your policy
  9. Spaying and neutering
  10. Flea, tick, and worm treatments
  11. Dental care

What to consider when buying insurance for your kitten?

We have listed a few important things so you can get the best kitten insurance and your budget.

Coverage Scope:

Make sure the policy covers all the possible health problems your kitten might face. Accidents, diseases, emergency treatment, surgeries, and prescription drugs are essential. Vaccinations, regular check-ups, and dental care are the preventative care services offered by some policies.

Exclusions and Limitations:

Ask the insurer about the policy’s limits and what’s not covered. Pre-existing conditions, cosmetic procedures, behavioural treatments, and breeding costs are common exclusions. Understanding these exclusions will assist you in preventing unforeseen financial burdens.

Cost and Premiums:

It is important to compare the monthly premiums, deductibles, co-pays, and yearly maximum limits of different policies. Even though a smaller premium might seem appealing, you might have to pay more when you need to make a claim. Find the best plan by comparing the cost of the premiums to the amount of benefits it offers.

Reimbursement Model:

Check to see how the insurance company pays out claims. Some companies pay a set amount of the vet bill and others that give a percentage of the bill. In this way, you can better handle your money during a claim.

Claim Process:

Research about the claims process of the insurance provider. When your kitty is unwell and causing you stress, a fast and easy claim procedure is crucial. Previous customers’ reviews and ratings can give you an idea of a company’s dependability and efficiency.

Customer Service:

It is important to have access to excellent customer support in the event that you have concerns or inquiries regarding the health of your kitten. Choose an insurance provider with a track record of prompt and friendly service.

Policy Flexibility:

A pet insurance provider should allow you to make changes in the policy as your kitty grows.  Always opt for flexible coverage as your pet’s medical needs change over time.

How can I find a cheap kitten insurance policy?

Although kitten health insurance in the UK is somewhat expensive, you can still find cheaper options by shopping around.

Compare Multiple Providers:

Websites like QuoteRadar.co.uk help you with kitten insurance comparisons. Here you can find the best options in the area that won’t break the bank. Never settle for the first one you see. Instead, search all the options in the market.

Evaluate Coverage Needs:

Consider what your kitten needs in terms of protection. It is essential to prioritize policies that address critical issues like accidents, sickness, and emergency treatment. Choose a more affordable basic policy if you do not require wellness programs or preventative care.

Consider Higher Deductibles:

Insurance plans that offer higher deductibles have affordable monthly premiums. There is an option to lower your insurance premium by paying extra out-of-pocket for each claim.

Look for Discounts:

A lot of insurance providers offer discounts throughout the year. Yearly premiums are cheaper than monthly, or you can secure a discount on multi-cat insurance policies. You can also save money by keeping an eye out for sales and promotions.

Ask for Recommendations:

Someone in your circle may have insured his cats and kitten. It is never too late to get recommendations from your friends and family. In this way, you can find some really good and cheaper insurance services for your kitty.

What do you need to get kitten insurance quotes?

Getting an estimate from an insurance provider for a kitten is not hard. The following details are required on their quote form:

  1. Kitten’s Details: Age, breed, gender, and medical history.
  2. Owner’s Information: Name, address, and contact details.
  3. Coverage Preferences: Desired coverage options, such as accident, illness, preventive care, and any additional benefits.
  4. Veterinary Information: Name and contact details of your veterinarian.
  5. Lifestyle Information: Whether the kitten is indoor or outdoor, and any known health risks or pre-existing conditions.

Frequently Asked Questions

Does my kitten bread affect the insurance premiums?

Breed impacts premiums due to genetic predispositions to certain health conditions. Purebred kittens often have higher premiums compared to mixed breeds because they are more prone to genetic disorders and specific health issues. For instance, Persian cat insurance, Ragdoll Cat insurance, Birman Cat insurance, and Siamese cat insurance.

Does kitten insurance cover vaccinations?

Most standard kitten insurance policies do not cover vaccinations, as they are considered routine care. However, some insurers offer wellness plans or add-ons that can cover vaccination costs.

Does my kitten need to be microchipped for insurance?

Microchipping is not always required but is often recommended. Some insurers offer discounts or additional benefits if your kitten is microchipped, enhancing safety and recovery chances if lost.

When should I buy cat insurance for my kitten?

Buy insurance as early as possible to avoid exclusions for pre-existing conditions and ensure comprehensive coverage for accidents and illnesses from a young age.

How can I help keep my kitten healthy?

Ensure a balanced diet, regular vet check-ups, and vaccinations, and keep your kitten indoors to reduce the risk of disease and accidents.

Are dental fees covered in kitten insurance?

Dental coverage varies by policy. Some insurance plans include dental treatments, while others do not. Always check the specific details of your policy.

Am I covered if my kitten is lost or stolen?

Many insurance policies cover lost or stolen pets, providing compensation or rewards for their recovery. Check your policy for specific terms regarding lost or stolen coverage.

Can I get insurance for more than one kitten?

Yes, many insurers offer multi-pet policies that allow you to insure more than one kitten, often at a discounted rate for covering multiple pets.

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