Kitten Insurance

Kitten Insurance premiums take many things into consideration: the type of policy you choose, the breed and age of your kitten, their purchase price, whether they’ve been neutered, and where you live.

• Age: Unfortunately, older cats are at more risk of developing illnesses than kittens, so premiums are likely to increase with age
• Breed: Some breeds are more costly to insure than others. Some are more prone to health concerns whilst pedigree kittens are more vulnerable to theft than mixed breeds
• Your address: The cost of veterinary treatment may also vary due to your postcode. Those living in high-cost areas may have to fork out more to insure their kitten 

Most breeds of kitten can be insured, such as Maine Coone, Bengal and British Shorthair. However, some exclusions may exist. Get a quote to see if yours can be insured through Healthy Pets.

Please refer to our FAQs page for a list of breeds we won’t be able to cover.

Kittens may be insured through Healthy Pets once they reach 5 weeks old. However, some aspects of kitten care are not covered by a Kitten Insurance policy.

• Microchipping
• Vaccinations
• Worming tablets
• Neutering
• Flea control

Make sure to declare any pre-existing medical conditions when taking out your policy. It won’t be covered by your standard Healthy Pets policy and may also invalidate your policy if left undeclared.

Pedigree Kittens

Healthy Pets can insure pedigree breeds. That said, quotes may be higher as they are costly to purchase – they may also be prone to hereditary diseases.

Please be aware that restrictions on your policy may vary by breed. 

• Pre-existing medical conditions – this relates to any condition your kitten has, has symptoms of, has had medication for, or has been advised by a vet about before the policy started
• Regular checkups and treatments
  • Vaccinations
  • Flea treatments
  • Neutering
  • Blood tests
  • Urine tests
  • Grooming and nail care
• Dental unless caused as direct result of accident or injury
• Treatments which have not been recommended by a vet
• Costs associated with pregnancy or giving birth

For full details of all exclusions, please refer to the policy wording. 

Your policy won’t cover the cost of microchipping.

As of 10^th June 2024, kittens in England need to have been vaccinated by the time they reach 20 weeks old – and all owner details must be kept up to date. Ask your vet for further details on microchipping. 

Luckily, many common health problems aren’t very serious. You can easily treat fleas or ear infections yourself following advice from your vet. Broken bones, kidney disease, diarrhoea and dental issues are also pretty common.

Make sure to familiarise yourself with your kitten’s usual behaviours so that you can flag with your vet if anything seems unusual. 

Depending on your chosen level of cover, your kitten may be covered for travel abroad. Cover includes:

• Vet fees
• Postponed or cancelled holidays due to pet illness

That said, the policy will not cover:

• Treatment of illnesses which were known prior to travel
• Accommodation or expenses for more than one person
• Travel outside of the EU

Please note that cover for travel abroad is not included in our Select or Accident Only insurance policies.

Please check your kitten’s insurance policy before travelling. 

If your kitten is injured or ill and requires vet treatment, this will be covered by your Kitten Insurance policy (limitations and exclusions apply – please check your policy wording for details). Complimentary treatments such as hydrotherapy, physiotherapy and osteopathy may also be covered. 

Yes – Kitten Insurance will cover dental care as a result of an accident or injury. However, dental treatment due to illness or a lack of routine dental care will not be covered. Cover limits apply.

Through Healthy Pets, a kitten with existing health conditions will be covered for future injuries and accidents, but not for treatment of pre-existing conditions. Please refer to your policy documents for full details. 

Once your kitten reaches a certain age, co-insurance payments will come into effect on your Pet Insurance policy. Check your policy wording each year for details.

Paid alongside your compulsory fixed excess, the mandatory co-insurance payment is an amount you will put towards the cost of your insurance claim. Your co-payment amount may change at renewal, so please make sure to check your schedule for the latest figure when the policy renews, and also if you need to make a claim.

Some policies allow you to include co-insurance from birth if you wish, and others let you choose a different excess. Once co-insurance is added to your cover, it will remain for the duration of the policy.

So, how does it work?

1. You put in a claim for £499 to treat your 6-year-old cat for a new condition
2. If you have a Maximum Benefit policy you’ll pay a fixed excess of £125, leaving a vet bill of £374
3. You then pay a co-insurance of 20% from the vet bill after the fixed excess has been deducted of £74.80
4. This means your insurer pays the outstanding balance of £299.20
5. In total, you pay £199.80 (fixed excess plus 20% co-insurance payment)

The idea of adding compulsory co-insurance payments to your Pet Insurance policy is to try and help keep premiums lower. 

Please visit our claims page to request a claim form by phone, email, or by using our online request form. Please have your insurance documents ready when you call, as they will show you your policy number and other essential information.