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Best Kitten Insurance of 2022

Lisa Scott

From a young age, you want to incorporate regular check-ups for your kitten, to ensure your kitten remains healthy and receives the care it needs. Kitten pet insurance is a great way to make sure your pet has access to medical care while reducing the chance of financial risk for yourself, should an emergency medical situation occur. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is kitten insurance worth it?

When our pets are still young, it may seem too early to get them pet insurance. However, even from a young age, your kitten will require veterinary services in order to maintain its health.

When you first get your kitten, you need to make sure they receive a full health exam and get the proper vaccinations. As your kitten gets older, it is likely they will develop certain medical conditions or have a need for medical treatment. These visits to the veterinarian can get expensive quickly and can become difficult to afford.

Kitten insurance is the best way to help you cover the medical treatments without having to worry about how much they will cost. These early medical treatments can help ensure they will have a much healthier and long life.

What does kitten insurance cover?

Kitten pet insurance ranges in coverage options depending on the type of plan you choose. Various pet insurance providers often offer plans that cover injury-only, illness-only, or injury and illness treatments. Some of the most common things kitten pet insurance covers are:

  • Congenital conditions: if your kitten has a congenital condition, most insurance providers will have options to cover treatments and procedures related to that condition.
  • Hospital stay and aftercare: if your kitten needs to be hospitalized, your insurance plan will cover costs associated. Additionally, if it requires aftercare treatments following the hospital stay, those treatments will be covered as well.
  • Spay and neutering: if you would like your kitten to be spayed or neutered, you can expect the costs associated to be covered by your insurance provider.
  • Medication: following a treatment or procedure, your kitten may need to take medication. Most pet insurance plans will cover the cost of medications.

While kitten insurance covers a range of needs, it does not cover all medical treatments for your kitten. Routine and preventive care is often not covered under pet insurance policies, and will either need to be paid out of pocket or through an additional wellness-specific kitten insurance plan. Additionally, pre-existing condition treatment will not be covered under pet insurance plans. Be sure to get your kitten insured as soon as possible to be able to qualify for treatments it may require throughout its life.

How are kitten insurance premiums determined?

Insurance premiums for your kitten’s coverage depend on a variety of factors. Some of the most common things that will factor into your monthly insurance premium include:

  • Breed: certain kitten breeds are more susceptible to developing serious illnesses or injuries. Breeds that have a higher likelihood of medical conditions will cost more to insure.
  • Gender: on average, male kittens are more expensive to cover than female kittens. Male kittens are more likely to develop medical issues, hence the need to make more use of their coverage.
  • Plan type: whether you choose an injury-only, illness-only, or an injury and illness insurance plan, each will factor into your monthly premium. Keep in mind, plans that cover a larger variety of medical treatments will also have a higher insurance premium.
  • Location: where you are located will factor into your monthly insurance premium. Areas that have limited access to veterinary care are also more likely to have higher costs for treatment.

Additionally, your insurance plan’s details will factor into your monthly premium. Your yearly deductible, coverage capacity, and reimbursement amount will all help to determine how much you are expected to pay monthly for your premium.

How to choose the best kitten insurance

Choosing kitten pet insurance does not have to be a difficult task. With tons of plans available, consider these factors as you narrow down your choices:

  • Medical history: if your kitten is at a higher risk of developing some kind of medical condition, or currently requires medical treatment, be sure to confirm their needs will be covered under your kitten insurance plan.
  • Review plan details: insurance providers will offer a range of kitten insurance plans, but each will differ in what treatments and procedures are covered. Additionally, plans will vary based on their options for deductibles, reimbursement amounts, and more. Consider all these details before choosing the right plan for your kitten.
  • Customer reviews: by reviewing the insurance provider’s customer reviews, you can get a realistic look into what to expect from the insurer. Also read customer reviews to understand how your insurance provider will handle coverage and the claims process.