Kitten insurance

Insuring kittens can be more beneficial in the long term as you'll be able to benefit from more comprehensive coverage and be rewarded with cheaper premiums.

How insurance works for kittens and what to look out for

Kittens are little bundles of fluff who love exploring their new surroundings and generally causing havoc around the house. They very quickly endear themselves to the whole family, but their energy and impetuousness can leave them vulnerable to accidents and illnesses.

Contents of this guide

What is kitten insurance?

Kitten insurance is a method of protecting against unforeseen vet bills caused by accidents or injuries that your kitten may suffer from. With all providers their kitten insurance policies are exactly the same as their cat insurance policies. But there may be some policy types on offer that are more suited to kittens that older cats.

There are however some differences in terms of when you can get your kitten insured. Some providers offer to cover your kitten from 5 weeks old, with others this can be 8 weeks.

Why do I need kitten insurance?

Get covered early

When your cat is young, much like humans, they tend to be healthier so you might think that insurance isn’t necessary. But, for a couple of reasons you might want to consider taking out a policy.

Firstly, whilst illnesses and diseases are more unlikely in youngers cats, you can never be 100% sure that a kitten won’t be susceptible to an illness which requires treatment. By covering your kitten you’ll be able to have the treatment for the condition covered by your insurer.

Generally speaking the earlier that you get covered the better, firstly it’ll be cheaper to insure a younger cat, and secondly, depending upon the cover type that you choose you can ensure that any conditions that do arise can be covered and don’t fall into the category of pre-existing.

Pedigree cats may suffer from congenital conditions

If you’ve chosen to welcome a pedigree kitten instead of a moggie to your family then you should be aware that they are more at risk of developing illnesses, particularly congenital conditions. This increases the risk of making a claim, and therefore you might be better placed to consider kitten insurance to protect against this.

For example, Bengal cats have a tendency to suffer from progressive retinal atrophy, cardiomyopathy and hip dysplasia.

Types of kitten insurance

With most providers you can get covered under 4 different cover levels.

Lifetime pet insurance is the most comprehensive cover you can buy so this is usually a good choice if your looking for long term cover.

Time-limited is the other policy type that often proves popular with kitten owners. This provides cover against vet fees arising from accidents and illnesses up to a certain limit or for 12 months after the first date of treatment – whichever is reached first.

That’s not to say that accident only or maximum benefit policies aren’t appropriate for kitten insurance. Your circumstance and budget are important factors to consider when it comes to finding the right cover for your kitten.

What impacts the price of kitten insurance?

Getting your cat insured when they are younger generally benefits you as the premiums will be cheaper, but let’s look a little closer of what can impact the price of your kitten insurance policy.

Pedigree or moggie

As mentioned above, pedigree cats are more likely to suffer from conditions passed down from their parents than moggies. As this is the case then you’ll find that pedigree breeds are more expensive to insure. Even with pedigrees you’ll find some difference in their pricing.

For example, the following quotes were compiled on 21/02/2022 for a 3 month old male kitten living in Gravesend, Kent on a time-limited policy with a £2,000 per condition limit.

Bengal cat: £7.64/month

Persian cat: 7.28/month

British shorthair cat: £6.24/month

Moggie cat: £6.10/month


Age of your pet

Sometimes the age of your kitten has a big effect, even if it is a case of a few weeks. The health of your kitten is much more well known at 12 weeks as it would be at 6 weeks and as such, insurers can provide a more accurate premium. We have heard of cases where pet owners have corrected their pet age after incorrectly entering the pet’s date of birth only to learn of premium increasing due to the change.


If your pet has not had its vaccinations then you might find that your premium is slightly more expensive than if they had. You will likely also find that claims might be affected if your kitten suffers from an illness that could have been vaccinated against.


You might also find that kittens before they have been spayed or neutered will be slightly more expensive than those who haven’t. This increase is usually quite small.

Common illnesses in kittens

Breed Conditions
Abyssinian Pyruvate Kinase Deficiency (this causes Anaemia)
Bengal Glaucoma
Retinal problems
Progressive retinal atrophy
Hip dysplasia
British Shorthair Hypertrophic cardiomyopathy
Polycystic kidney disease
Cornish Rex Polycystic kidney disease
Progressive retinal atrophy
Domestic Shorthair Hyperthyroidism
Kidney disease
Respiratory issues
Urinary conditions
Maine Coon Hip dysplasia
Hypertrophic cardiomyopathy
Spinal muscular atrophy
Periodontal disease
Polycystic kidney disease
Persian Polycystic kidney disease
Progressive retinal atrophy
Hip dysplasia
Brachycephalic airway syndrome
Primary seborrhoea
Hypertrophic cardiomyopathy
Feline Infectious Peritonitis
Ragdoll Hypertrophic cardiomyopathy
Polycystic kidney disease
Russian Blue Hyperthyroidism
Renal Failure
Siamese Mouth and gum disease
Heart disease
Gastrointestinal disorders
Kidney disease
Liver disease and pancreatitis
Moggie Diabetes
Liver problems
Urinary tract disease