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5 Facts To Know Before Buying Kitten Insurance

Kittens are extremely curious critters, and they also have underdeveloped immune systems that make it harder for them to fend off illnesses.

Take care of both risks by enrolling in pet insurance, with plans designed to protect your precocious critter from accidents, illnesses, and other maladies.

Kitten insurance plans typically enroll kittens from 6 to 8 weeks old and up. The sooner you can get your kitty enrolled, the sooner she’ll be covered for:

  • Swallowing Strange Objects
  • Bite Wounds
  • Allergies
  • Cough

And a host of other issues!

In preparing for your new kitten at home, get a handle on these top five facts and you’ll have a great idea of what kitten insurance works best for you and your young feline.

#1 – Percentage vs. Schedule Reimbursements

Pet Medical Insurance plans either reimburse you a percentage of your vet bill or according to a set benefit schedule.

Percentage-based plans generally let you choose between 70 to 100 percent of the bill to be reimbursed.

Set benefit schedules give you a set amount for each condition, regardless of how much you actually paid.

Smart Kitty Tip: Review any things that are not covered by percentage-based plans. For example, some may not cover veterinary exams.

Look for plans that are reimbursed on the actual vet bill so you know exactly what you will be reimbursed.

#2 – Coverage and Exclusions of Kitten Insurance

Every plan outlines treatments and conditions that are covered. Each also has a list of exclusions that outlines things that are not covered.

Pre-existing conditions are never covered, and you may find other conditions on the list.

Smart Kitty Tip: Choose a plan that doesn’t change or restrict coverage for things like filing a claim or turning a certain age.

#3 – Kitten Insurance Coverage Levels

Kitten insurance plans can range from covering just the basics to covering pretty much everything, including routine visits to the vet.

Certain cat breeds are more susceptible to hereditary conditions, which plans may or may not cover. Make sure you know exactly what’s covered before you sign on the dotted line.

Smart Kitty Tip: Kittens typically need multiple vet visits over their first year for vaccinations, spaying or neutering and other routine procedures. Wellness plans or riders may help pay for these routine costs if that is of interest to you. There will be an additional cost for these plans.

#4 – Price vs. Value of Kitten Insurance

The lowest price doesn’t always give you the best value.

Collect several quotes from different companies and compare the coverage levels, exclusions, reimbursements, and deductibles to determine which gives you the top deal for your money.

Smart Kitty Yip: Deductibles can apply annually, per-condition or per-incident, all of which affect value. Annual deductibles are paid once every policy period. These deductibles are preferable since you choose the specific amount that you will pay each year. Pre-condition or per-incident deductibles are paid for every incident or condition that brings you to the vet.

Again, you can see how this can add up if your kitty has two conditions in one year.

#5 – Reputation Matters

Ensure your kitten insurance company will be here for the long haul by reviewing the company’s track record, history, and stability.

Smart Kitty Tip: Make sure a company has an excellent reputation based on its own merits and is not just paying to use the name of a well-known organization to lure customers their way.

Best Pet Insurance Companies To Insure Your Kitten

Let’s help you get started with 5 top pet insurance companies that offer well-rounded coverage, competitive pricing, and great reputations.

Healthy Paws

healthy paws pet insuranceHighlights

  • Unlimited benefits for your kittens, even lifetime!
  • Cat owners love Healthy Paws – with an A+ review.
  • Congenital and hereditary conditions covered!
  • Deductible options up to $750.
  • Alternative therapy included in all plans.
  • 70% to 90% reimbursement choices – the choice is yours.
  • Claims processed professionally and quickly.
  • Kittens can be enrolled at 8 weeks old.
  • Discounts for different membership groups (up to 15%).

Competitive Pricing

  • Kitten insurance can start at $12 monthly.

To learn more about Healthy Paws, our review can help!

>>Get Your Healthy Paws Quote Here<<


embrace pet insuranceHighlights

  • Cat owners have positive reviews for Embrace.
  • Behavioral therapy and alternative therapies are available.
  • Preventative care plans can be added
  • Annual deductibles with various choices up to $1,000
  • $15,000 benefit limit (which can be limiting)
  • Reimbursements on vet bill from 65% to 90%
  • Kittens can be enrolled at 6 weeks old.
  • $50 discount annually for healthy pets, as well as 5 % if the kitten is neutered or spayed.

Competitive Pricing:

  • Kitten insurance can start at $11 monthly.

To learn more about Embrace, our review can help!

>>Get Your Embrace Quote Here<<


petplan insuranceHighlights

  • Cat owners are very happy with Petplan!
  • Congenital and heredity conditions included.
  • Periodontal disease and dental care coverage
  • $2,500 to unlimited benefit options.
  • Reimbursed on vet bills with choices 70 to 90%.
  • Per condition deductible or annual model up to $2,500
  • Kittens can be enrolled at 6 weeks old.
  • Discounts for military and service pets or in you enroll online.

Competitive pricing

  • Kitten insurance can start at $15 monthly.

To learn more about Petplan, our review can help!

>>Get Your Petplan Quote Here<<

Pets Best

pets bestHighlights

  • Pets Best is among the best-reviewed by cat owners.
  • Three different plans offered with great customization.
  • Offers an extra $10,000 of lifetime coverage for breeds known for conditions.
  • Reimbursements from 70% to 90%.
  • Annual deductibles from $50 to $1,000.
  • All plans even offer prescription coverage.
  • Kittens can enroll at 7 weeks and no upper age limit!

Competitive Pricing

  • Kitten insurance can start at $10 monthly.

To learn more about Pes Best, our review can help.

>>Get Your Pets Best Quote Here<<




  • Cat owners love PetFirst with an A rating.
  • Hereditary and Congenital Conditions covered.
  • Reimburses vet exams!
  • Wellness plans are available.
  • Benefit limits up to $20,000 and not unlimited.
  • Reimbursements from 70% to 90%.
  • Deductibles from $50 to $500 (annual)
  • Kittens can be enrolled at 8 weeks old.

Competitive Pricing

  • Your kitten insurance can start a $10 monthly.

To learn more about PetFirst, our review can help.

>>Get Your Pets Best Quote Here<<

Now you can see why kitten insurance can be really helpful and very inexpensive to enroll.

If you would like to learn more about pet insurance or review some other excellent pet insurance providers, out top cat insurance companies, will help!

As mentioned, most kitten insurance companies accept enrollments as young as 6 to 8 weeks old. So collect your quotes and start comparing today. Give your kitten the health coverage she deserves while giving yourself a peace of mind.


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