Lifetime
Covers the majority of vet bills for injury and illness up to an annual limit. At the end of the year, that limit is reset, and cover continues.
Kitten insurance
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Why should I get kitten insurance?
Kitten insurance offers peace of mind by protecting your furry friend from unexpected veterinary costs. From playful accidents to potential illnesses, kittens can face various health challenges. With insurance, you can provide the best possible care without worrying about the financial burden.
When should I get kitten insurance?
It's best to get kitten insurance as soon as possible. Ideally, you should insure your kitten within the first few weeks of bringing them home. Early coverage helps prevent pre-existing condition exclusions later in life. By insuring your kitten early, you ensure comprehensive protection for their entire life, giving you the freedom to focus on their well-being without worrying about unexpected veterinary costs.
What types of insurance can I get for my kitten?
There are four common types of pet insurance to choose from, each with different levels of cover and cost:
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Accident only
Covers only health problems (mostly injury) related to accidents. It will not cover illnesses nor chronic conditions.
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Time limited
Covers vet bills for a limited time per condition (usually up to 12 months). Once that time has run out, insurance will no longer cover the condition.
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Maximum benefit
Covers vet bills up to a certain amount per condition. When you have reached the maximum amount you can claim, the condition is no longer covered by the policy.
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What is covered by kitten insurance?
Not every policy is the same and providers may offer different add-ons to increase your cover. Typically, a lifetime pet insurance policy will cover the following:
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What’s covered
Vet bills
The costs of vet bills can add up very quickly. Some policies cover certain vet costs that others do not. be sure to check what types of vet treatments are covered in your policy.Recovery of lost/ missing kittens
Your policy can cover advertising costs for your lost pet and can also contribute to funding a reward.Euthanasia
It's difficult to think about and is hopefully a long way off, but in the event that this becomes necessary, your policy can help cover some of the costs
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What isn’t covered
Elective and preventative treatments
Conditions that arise within the first 2 weeks of taking out your policy
Pre-existing conditions
Routine check-ups and treatments
Vaccinations
Pregnancy and giving birth
How much is kitten insurance?
Pet insurance for kittens can start at as little as £4.20
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Medical history
If your kitten has already experienced health problems, you may have to pay more for cover.
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Your location
The average cost of vet bills varies depending on where you live.
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The breed
Some cat breeds are more expensive or prone to more health problems than others.
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The cost of your kitten
More expensive cats require increased cover to reimburse owners if anything happens to their kitten.
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Type of pet insurance
Each type of pet insurance its own level of cover and cost. The more cover your policy offers, the more expensive it’s likely to be.
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Voluntary contribution amount
By volunteering to pay part of your kitten’s vet bills, you can reduce the cost of your pet insurance.
How can I make my kitten insurance cheaper?
Shop around
Compare quotes with MoneySuperMarket to find the perfect policy to suit your needs at the best price.
Excess amount
The excess amount if the amount you voluntarily have to pay any time you make a claim. If you increase your excess amount you can lower your premium amounts. Be sure you are able to to pay the excess amount you choose.
Pay annually
Paying your premiums annually will be cheaper than paying monthly.
Multi-pet policy
If you have more than one pet, a multi-pet insurance policy can house your pets all under one policy. These policies often also provide a discount per added pet to the policy.
Spay and neuter your rabbits
Spaying, neutering and keeping on top of your all vaccinations can help keep your rabbit as healthy as possible.
Our expert says…
Insurance is something to seriously consider once your kitten reaches two months. While comparing quotes to find the cheapest policy will help keep the cost down, also look at other steps such as microchipping your pet, having it spayed or neutered and having all vaccinations up to date.
Saarrah Mussa Former Content Writer
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Kitten insurance guides and tips
Keep up to date and find out all you need to know with our latest guides.
Why compare kitten insurance with MoneySuperMarket?
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Deals tailored to you
We’ll use the details you give us to find policies that give the right cover for your kitten
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After you answer a few questions, we’ll show you quotes from the top UK providers for you to choose from, with the best deals front and centre
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Compare pet insurance with MoneySuperMarket
Finding the right insurance provider for you is easy, all you need to do is follow these three steps:
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Tell us about your pets
Give us a few details about each pet you want to be covered and the level of protection you’re looking for. Remember – you can tailor cover levels and excesses for each pet.
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We’ll do the work
We’ll put together a list of providers with appropriate cover for your specific needs
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You’re on your way
Pick the policy that is perfect for you and your pets.
Is it worth getting pet insurance for a kitten?
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.
Does kitten insurance cover vaccinations?
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.
Can I get cover if my kitten has pre-existing medical conditions?
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.
What impact does breed have on kitten insurance premiums?
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.
Does my kitten need to be microchipped?
Yes, cat owners have until June 10, 2024 to ensure their feline friends are microchipped. Failing to do so could result in a fine of up to £500.
How can I help keep my kitten healthy?
Regular grooming and health checks are a great way to keep your kitten healthy and monitor any changes that may occur. While routine visits to the vet are not usually covered by pet insurance, having a check-up while your cat's young is a great way to ensure they are healthy.
Be sure you are up to date with all their vaccinations. If your kitten develops a condition that could be prevented with the appropriate vaccination, some providers do not provide cover for that condition.
When is it safe for my kitten to go outside?
While it can be tempting to let your cat out when they start wandering around, most people wait 3-6 weeks to allow them to get used to their new environment before letting them go outside.
Before they go outside, it's always best to be sure they are fully vaccinated.
What are the main health issues for kittens?
There are many health conditions that kittens are susceptible to, but the two most common ones you should be wary of are ear mites and fleas. Upper respiratory conditions are also quite common amongst young kittens.
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Reviewed on 12 Dec 2025 by
