Best Pet Insurance For Kittens

Monthly premiums on this lifetime policy from Frank are competitive. The policy pays out an unlimited amount in vets’ costs with a £1,000 per-condition cap per year.

It’s also flexible, offering ‘boosters’ to the policy which can be added on or removed at any time. While these add onto the cost of the premium, the increase is small.

The Travel Booster for example, which offers £1,000 worth of cover for vet emergencies in EU or pet-related holiday cancellation, costs an extra £2.49 a month. And it’s the same extra monthly cost for an Emergency Booster, which offers £1,000 to cover a professional cat sitter if you’re taken ill and need to stay in hospital.

The policy also accepts pre-existing conditions, so long as there’s been no clinical evidence in the past 24 months.

An excess of £99 is payable on claims, although this rises to £200 from your pet’s 8th birthday.

This ‘Level 1’ policy from Corinium is the most competitive on price and offers cover limits up to £1,500, with fair excess of £90.

However, the events you can claim for are more limited. For example, there is no cover under this policy if your kitten is lost or stolen, or dies from accident or illness.

There’s a co-payment with this policy too once your pet reaches 7 years old, at which point you will need to contribute 20% of the cost of each claim. This rises to 30% when it reaches 10 years old.

The excess is fixed at £90 of any claim.

This Lifetime Super policy from Animal Friends is competitive on price. And it offers unlimited amount in vets’ costs and £1,000 per-condition cap per year. It also throws in some worthwhile extras as part of the policy.

These include up to £1,000 if you need to cancel or cut short a holiday because your kitten needs urgent medical care and up to £500 if it needs to go into a cattery because you have to go to hospital.

The excess is a fairly typical £99 on this policy but a co-payment (usually of 20%) becomes payable when your cat turns 10.

Animal Friends also offers a vet advice line.

At £2,000, annual cover and condition limits with this policy from Waggel are double the £1,000 minimum we searched for, while with premiums cost only a fraction more.

However, the excess is set at £250 rather than the more typical £99 so it will cost more if you need to make a claim.

The policy offers the standard cover such as if your kitten is lost, stolen or dies from accident or illness but throws in some worthwhile extras too.

For example, there’s £1,000 for complementary health treatment and a futher £1,000 for dental treatment.

Waggel also offers a free vet advice line.

This competitively-priced Lifetime Elite policy from Perfect Pet throws in a wide range of benefits as standard, including holiday cancellation, emergency boarding and advertising reward costs.

However, these are all capped at £500 which puts its cover limits on the low side compared to some other pet insurers.

Under this policy, Perfect Pet limits cover to £1,000 a year for each condition and offers an unlimited amount each year in vet costs. Higher limits of £4,000 are available under its Elite Extra policy.

The excess, at £90, is the lowest on our list. although a co-payment of 15% becomes payable when your cat turns 10.

With up to £4,000 a year for both annual cover and per condition, this policy is generous in cover levels for its monthly offering, especially if your kitten was to contract a recurring condition that resulted in high vets’ fees in any one particular year.

The policy also offers cover for emergency boarding fees and a vet advice line.

While there is no co-payment, some of the excess is tied to the cost of any claim which could work out expensive.

Cover levels with this kitten insurance policy from Petsure are robust with per condition and vets’ fee annual limits both pegged at £2,000.

It was also the only insurer we found that offered cover for bereavement counselling.

However, the policy is lacking in more standard cover such as for theft or loss of your kitten or in the event it dies from accident or illness.

You will also need to pay extra on the stated excess though should you need to make a claim.