Best Kitten Wellness Plans for Preventive & Routine Care of 2023

Lisa Scott

Kitten wellness plans that focus on preventive and routine care helps you to afford the care they need throughout their life. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

50% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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

Is kitten wellness coverage worth it?

While your kitten is still young, preventive care for long-term illnesses is likely not on your mind. However, the best way to prevent your kitten from experiencing serious illnesses or injuries later in life is to keep up with routine care.

Taking your kitten to the vet on a regular basis and starting early on in their life helps you to monitor their wellbeing, which helps create treatment plans to avoid problems that may develop early on. Especially if your kitten is prone to congenital or hereditary issues, you will want to pay special attention to routine care and treatments.

While these frequent vet visits are necessary for your kitten’s health, they can get expensive over time. This is where pet insurance can help to support your kitten’s wellbeing. Wellness plans that focus on preventive and routine care help you to continuously monitor your kitten’s health and set them up for a healthier life long-term.

What do kitten wellness plans cover?

Kitten wellness plans cover different treatments and procedures depending on the details of the insurance plan. Typically, insurance providers will offer different plans that cover illness and injury treatment. These account for unexpected issues and are more focused on treatment than prevention.

To be covered for preventive and routine care, you will have to take advantage of a separate wellness plan option that is in addition to your pet insurance plan. These wellness plans often cover:

  • Pest prevention: Preventive care for pests, including ticks, fleas, heartworm, ringworm, and more are usually covered under wellness plans.
  • Wellness visits: Routine visits to your kitten’s vet that include a wellness exam are often covered under a pet wellness plan.
  • Preventive procedures: Spaying and neutering, teeth cleaning, deworming, and other procedures to keep your kitten healthy are covered.

Some plans will allow you to pick and choose which types of routine and preventive care treatments you want to include in your plan. This allows you to customize your plan to be sure your kitten gets the attention it needs during routine vet visits.

How are kitten wellness premiums determined?

There are different factors your insurance provider will take into account when determining a monthly premium for your wellness plan coverage. Some of these factors include:

  • Breed: Your kitten’s breed will help to determine a monthly premium. Some breeds are more likely to experience serious illnesses, even early on in their life, and will require a higher monthly premium for coverage.
  • Plan details: Depending on what types of coverage and treatments are included in your plan, your monthly premium will change. Additionally, your deductible, reimbursement amount, and coverage cap will contribute to your monthly premium charge.
  • Location: Where you are located may affect your monthly premium. If you are in an area with less vet options that accept your pet insurance, you may be required to pay a higher premium.

How to choose the best kitten wellness plan?

Choosing the best wellness plan for your kitten requires you to take different details into consideration. As you are making your decision, keep the following in mind:

  • Your kitten’s unique needs: Your kitten may be more susceptible to certain issues later on in life depending on their breed and medical history. Be sure to confirm your wellness plan covers any treatments you may expect your kitten to need depending on these factors.
  • Compare and contrast plans: Take a look at what each has to offer in terms of which treatments are covered, what the reimbursement and deductible options are, and what the overall insurance cap is to help you decide on the best option.
  • Consider your budget: Just because a plan is the cheapest option does not necessarily make it the best. Take a look at what is covered and think about what you may be expected to pay out of pocket for the more expensive treatments your kitten may need down the line.
  • Review customer experiences: Check reviews on your future pet wellness plan, and what individuals have to say about their experience. Review what customers have said about claims processing and how they handle customer inquiries to find out what your experience may be like. See also our reviews on these reviews as they can be helpful.

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