Skip to content
Did you know your browser is out of date?
To get the best experience when using our website we recommend that you upgrade to the latest version of one of these browsers.

Kitten insurance

Super Save up to £2001 on your pet insurance

  • Get a quote in less than five minutes
  • Compare quotes from 25 insurers
  • Super Save with cover from just £2.632

151% of consumers could save up to £200.76 on a lifetime Pet Insurance Policy. Consumer Intelligence, January 2022.

2Based on accident only claims without vet fees for pets with up to date vaccines. Cover starts 7th March 2022.

Why do I need kitten insurance?

A playful kitten can bring much amusement, but escapades can also lead to accidents and unexpected trips to the vet for treatment. With vet bills on the rise, an unfortunate injury could cost you much more than you planned in the early months of kitten ownership. 

There is also the risk of illness or an ongoing condition affecting your kitten, and the potential for regular bills to get them back on their paws.

So it’s worth making sure you’ve got your kitten covered by an insurance policy to meet the cost of a sudden trip to the vet. You can also get cover for the cost of advertising if your kitten was ever lost or stolen.


Dog illustration

What are the different types of kitten insurance?

As with all pet insurance policies, there are four main types of kitten insurance available.

  • explanation mark icon

    Accident-only insurance

    Accident-only policies provide a fixed sum to treat injuries caused by accidents, though some may offer limit cover for sudden illnesses 

  • clock icon

    Time-limited cover

    This will provide a fixed amount to cover each (covered) illness or injury your pet sustains in a set time period, usually for 12 months

  • Paw icon

    Per-condition policy

    These cover each illness or injury indefinitely, up to a certain sum. Past that point, that particular condition is no longer covered

  • Shield icon

    Lifetime cover

    These cover each illness or injury indefinitely, allowing you to spend up to a set amount in treatment. Lifetime cover resets every year

What’s covered by kitten insurance?

Some kitten insurance packages are more comprehensive than others, so your policy may not cover certain situations and conditions. It’s always best to check with your chosen provider what’s covered if you’re unsure.

  • Tick icon

    Vet fees

    Vet fees for accidents and unexpected illnesses are always covered to an extent, but the threshold changes according to each specific policy

  • Tick icon


    Most policies will cover the majority of the cost for treatment if your kitten is injured, but there are usually caps which very between policies

  • Tick icon

    Advertising and recovery costs

    If your curious kitten manages to get lost, many cat insurance policies can cover the cost of advertising – and will even stump up a reward

  • Cross icon

    Routine check-ups

    Insurance doesn’t cover vets’ costs for neutering, vaccination and flea control, nor most other procedures and treatments considered routine

  • Cross icon


    Microchipping your kitten will help you track it if it’s lost, and while some insurers insist you get it before they’ll cover you – they won’t pay for it

  • Plus icon

    Behavioural problems

    Cats and kittens tend to have fewer behavioural problems than dogs and puppies, so most insurance policies won’t cover treatment for things like aggression

How much does kitten insurance cost?3

There are many factors that can affect the cost of your kitten insurance. Some breeds are attractive to thieves or especially prone to developing particular conditions, and tend to cost more to insure as a result. Likewise, where you live has a major impact on how much your insurance costs. Cat insurance also gets more expensive as your cat gets older.

3According to Stickee data, correct as of September 2020


Dog illustration

What add-ons are available for cat insurance?

Kitten insurance isn’t just about vet’s fees if your pet is ill or injured. There are actually various ways to extend your cover for a small additional cost. Optional extras include: 

  • Plus  icon

    Liability cover

    Covers any legal liabilities if your kitten injures someone or their damages their property

  • Plus icon

    Overseas cover

    Some policies can be extended to provide cover if you want to take your cat overseas

  • Plus icon

    Cancellation cover

    Covers the losses you may incur if you have to cancel a holiday because your cat falls ill

  • Plus icon

    Straying/theft cover

    Pays compensation if your kitten is lost or stolen, and could contribute towards a finder’s reward

  • Plus icon

    Fatal accidents

    Pays out a cash sum if your cat dies in an accident, though not of illness, old age or natural causes

  • Plus icon

    Boarding fees

    This covers the cost of boarding kitten cat if you aren’t able to look after it while you’re in hospital 

How to buy kitten insurance

You'll need to the following information when getting your kitten insurance quote, so we can find the right cover for your needs

  • cat phone icon

    Your kitten’s details

    We’ll need to know their age, breed and size, as these factors affect its risk level and compensation

  • cat coin

    How much your kitten costs

    You’ll need to let us know how much you paid for your cat (if you bought it, rather than adopting)

  • seesaw cat

    Behaviour and medical history

    We’ll need to know if your cat has been neutered and what vaccinations it has (or hasn’t) had 

Compare policies and deals from the leading pet insurance brands

We compare over 20+ pet insurance brands to bring you the best deals

company logo for asdacompany logo for healthy petscompany logo for john lewiscompany logo for sainsburyscompany logo for tescocompany logo for animal friendscompany logo for more than
Rose Howarth

Our expert says

"“Kittens can be especially accident prone, and it’s usually worth getting insurance as soon as your new friend has settled into the family. “For the most comprehensive cover over the long term, a lifetime insurance policy will protect your kitten for the rest of its life.”"

- Rose Howarth, head of niche insurance

You can get specialist pet insurance if your cat has a pre-existing medical condition. This type of policy is designed for those whose pets already have a medical condition before they take out an insurance policy.

While you’ll be able to take our standard pet insurance if your cat has a pre-existing injury or condition, it’s unlikely that your insurer will cover veterinary treatment for that particular condition – as there’s a risk that the condition may flare up again.

Cat breeds have a significant effect on premiums. Pedigree cats are more prone to health conditions than moggies, and your insurer is likely to increase your premium as a result.

They are often also much more valuable and therefore more attractive to thieves.

Kitten insurance does not cover vaccinations – in fact, it’s usually a condition of most cat insurance policies that you keep them up to date with all vaccinations.

Kittens can get into all sorts of trouble, and insurance can help cover the costs of an unexpected trip to the vet, as well as covering the costs of advertising if they’re lost or stolen. 


If you have more than one cats, multi-cat insurance can be easier to manage. Choosing a multi-pet insurance plan means dealing with a single insurer, a single renewal date and just one set of documents.

Insurers also often offer discounts if you cover more than one pet on your policy. Discounts can vary between 5% and 10%, while others give you a set discount for each extra pet you choose to cover. 

Microchipping your kitten is a wise move – it’s a really useful way for people to identify where lost cats live.

Microchipping your kitten isn’t always a condition of kitten insurance, but it can be – or you may reduce your premium. 


You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor
  • Super save over and over again with Energy Monitor
  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.



Ready to save on your pet insurance? Or need to know more before you get a quote? We’re here to help.

Cat Insurance - Dog Insurance - Puppy Insurance - Horse Insurance - Rabbit Insurance