Do you have a kitten and want to know if having pet insurance is worth it?
The simple answer is: yes, taking out a kitten insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.
In this guide, we’ll detail all the different types of kitten insurance, the average cost of taking out a kitten insurance and and we’ll also give you an indicative quote to find the best pet insurance for your kitten.
Table of Contents
What type of kitten insurance is best for you?
When researching the best insurance policy, there are different policy types to consider. From the least comprehensive to the most, these are:
|Level of coverage||Details|
|Maximal benefit cover|
What is the best kitten insurance?
How much is kitten insurance?
It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:
- Your kitten’s age, The older your kitten is, the more expensive it will be to insure your kitten.
- Where you live in the UK. Vet fees are not the same all over the UK.
- Whether your kitten is a pedigree or not. Often, you will be asked when taking out kitten insurance if your kitten is a pedigree or a moggie. A pedigree can be more expensive to insure as they are prone to having poorer health.
- Your kitten’s breed. Some breeds are more more likely to have an illness than others. The less expensive breed is the Sphynx, whereas one of the most expensive breeds is the Siamese.
The average cost of kitten insurance in UK is about £140 per year, so £11,5 per month..
What does kitten insurance cover?
Not all insurers offer the same features, so check before insuring your kitten. Here is a little table that shows what is usually covered by a kitten insurance:
|Included or not||Details|
|Vet fees||You can ask money back for vet fees if your kitten received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your kitten died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your kitten if you have an emergency|
|Overseas travel cover||Your kitten is covered in another country|
|Third party liability cover||Covers legal liability if your kitten causes damage or injury. For kitten, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.|
What is the best pet insurance for kitten?
As seen above, there are four levels of coverage to insure your kitten. Your premium will depend on the level of coverage you choose and on how much you wish to be covered. In the two tables below, we will indicate quotes for accident only and lifetime, so that you can have an idea of the prices.
What is not included in your kitten insurance?
Often, these kind of features are not included in your kitten insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your cat’s existing conditions.|
|Routine medical treatment||Your cat insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for cat insurance.|
|International cost||Some insurers won’t offer to cover your cat abroad.|
|Dental treatment||Often excluded from cat insurance.|
|Kitten age||Sometimes your kitten will not be covered if your pet is considered too old.|
Can you get a discount when taking out kitten insurance?
Lot of providers propose a discount when insuring your kitten online:
|10% discount via Aviva* if your buy online your cat insurance10% multi pet discount|
|10% discount if your buy online your cat insurance|
|25% discount if your buy online your cat insurance|
|12 month cover for the price of 9 month|
|If you take out your puppy insurance at Direct Line, you can get 12 months cover instead of 9 month cover|